| 30 years of reform and opening up,China's socialist market economy system has been established and has made remarkable achievements at the end of 2015 China's GDP reached 67 trillion,second only to the United States to become the world's second largest economy,has become a veritable world factories,of which private enterprises have made great contributions,many private enterprises are small and micro enterprises,according to the statistics,the number of small and micro enterprises accounted for more than 98% of the number of enterprises in our country,its contribution to the economy to achieve the GDP half,to solve our country 80% of the labor force employment,small businesses,while also quietly made tremendous contributions to encounter difficulties in financing,financing your problem,becoming more and more difficult,which the countries have also introduced policies to support small micro enterprises,but the reality is that small and micro enterprises are still facing financing problems,how to solve the dilemma of small and micro enterprises,the level of economic development of our country's economic growth and the subsequent space can not be ignored.Small micro-enterprise financing channels in addition to internal financing,as well as external financing,external financing mainly in the commercial banks as the main means of financing,but due to the small micro-enterprise financial system itself is not perfect,the lack of collateral,capital requirements showing a "short emergency frequency " the outstanding characteristics,therefore,even if the financial funds from commercial banks,are often faced with very high financing costs;Moreover,from the perspective of banks,micro-enterprise loans for small business,input and output is relatively low,the cost is very high,many banks are small micro-enterprise loan business just out of the central bank and the CBRC perfunctory policy to support small and micro enterprise financing,the lack of autonomy.Compared with the traditional joint-stock commercial banks,rural commercial banks a competitive advantage that clouds dot the county,the higher people recognition,the state preferential policies and other advantages,thus,rural commercial banks to small and micro enterprises in developing small and micro business loans He said to be timely.This paper selects Bengbu rural commercial bank loans to small and micro business as investigation object,which lasted five months of investigation,witness Bengbu agricultural firms small and micro business loans from developed to grow,has made remarkable achievements,but in the course of its development,can not be avoid there are many incompatible with market demand,where the main content is organized as follows: first introduced Bengbu agricultural businesses and small micro-credit history,Secondly,Bengbu agricultural firms small and micro business lending process,again,Bengbu agriculture the firm is a small micro-credit lending information and data for statistical analysis,to demonstrate its development status,and from the current situation,find the main problems in the development process,and finally,for the Bengbu agricultural firms small and micro business loans of such problems,several individuals made reasonable suggestions,hoping to further the development of small and micro firms Bengbu agricultural loans play a reference.Since Bengbu agricultural firms small and micro loan business is also just launched,data collection is also not comprehensive enough,therefore,some of the status quo article data may reflect the presence of a certain bias,due to the limited individual level,for Bengbu agricultural firms small and micro loan business awareness may not comprehensive enough,you need to constantly improve the follow-up study concluded deficiencies Benpian beg research report pointed out that after modification need to be careful. |
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