The Research On The Development Of Small And Micro Enterprise Financing Of PSBC Tianjin Branch

Tianjin as a transportation hub in north China, northeast, northwest, the coordinated development of Beijing-Tianjin-Hebei major national strategy, is the only free trade zone to the north, and this year in the "area" major strategic corridor was identified as China, Mongolia, Russia's economy an important node, is the east of the asia-europe continental bridge, the starting point of the Russian economy the main node and maritime cooperation strategic fulcrum, make small micro enterprises in tianjin region has good policy "petri dish".In this thesis, from PSBC tianjin branch support for small micro enterprise financing as the main research object. In commercial Banks of small micro enterprise financing support, on the basis of the research background and significance, through to the small micro enterprise financing supply and demand research and commercial Banks to solve the financing difficulty of small micro enterprise of related literature, according to the information asymmetry theory, credit rationing theory and related theoretical research, summarizes the small micro enterprise the present financing situation. Again through to the tianjin area small micro enterprise development present situation and the analysis of the form a new pattern in the past two years, the combination of various commercial Banks to small and medium-sized enterprises provide financing support the status quo, summed up the tianjin area small micro enterprise financing problems. Based on post office bank tianjin branch of real case as the breakthrough point of the problem analysis, analyze the commercial Banks to small micro enterprise financing policy has changed over the years, put forward to ease the small micro enterprise financing difficult problem to the long-term development of the proposal.