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Local Commercial Banks Support Small And Micro Enterprise Financing Problems And Countermeasure Research

Posted on:2017-06-13Degree:MasterType:Thesis
Country:ChinaCandidate:J YangFull Text:PDF
GTID:2359330512458223Subject:Agricultural Extension
Abstract/Summary:PDF Full Text Request
In recent years, small and micro enterprises rapid development of private economy has become an important component of the socialist market economy, the rapid expansion of the number of small and micro enterprises, the demand for financing presents a growing trend, at the same time, small and micro enterprises difficult to obtain sufficient financial services, to highlight the growing problem of financing. Compared with large and medium enterprises, small and micro enterprises are small, loose internal management, management decision-making power is highly concentrated, big business risk, coupled with financial characteristics of small and micro enterprises as for-profit unit of the banking financial institutions, particularly the large commercial banks inevitable in favor of providing financing services to medium-sized enterprises, small and micro businesses has shown a "stingy" side. Faced with this economic situation and market conditions, local commercial banks should seize the opportunity to make full use of it based on the local economy, based on the advantages of small and medium enterprises play their own small, fast, and spirit, special operating characteristics, deep local market, sinking business the center of gravity for small and micro enterprises provide in-depth and differentiated financial services, while effectively support small and micro enterprise development, the promotion of local commercial banks to get their own survival and development, promote the development of the real economy is significant.Combining theoretical analysis and example analysis were adopted in this paper, large Banks in YM commercial Banks and A city branch of field investigation, in order to get credit data and information, from the perspective of Banks, analyzing YM commercial bank support for small micro enterprise financing present situation, and find the YM commercial Banks to support small micro enterprises existing problems and their causes in the process, draw lessons from some successful practices at home and abroad, in view of the problems existed in improvement countermeasures and Suggestions are proposed.This paper shows that, causing small micro-enterprise financing difficulty is the result of a tripartite joint effect, that small and micro enterprises themselves have industrial industry structure is relatively backward, operational risks more prominent, memory weak demand for loans more specific reasons; commercial bank management defects restricted the development of small and micro-enterprise credit business, the lack of financial product innovation, loan types over a single, lack of professionals, performance incentives not build the whole, inadequate financial service capability underlying causes; external presence building environmental infrastructure market is weak, lack of market environment to support the small micro-enterprise financial services, government support is not enough other reasons.On the basis of drawing on the successful practice at home and abroad, we put forward some suggestions:small and micro enterprises should enhance their own strength, sound management system, improve the credibility, communication and other efforts to strengthen banks and enterprises; local commercial banks should adhere to the service for minor enterprises market positioning, give full play to the advantages of local commercial banks to proceed from innovation management mechanism (such as organizational structure, incentives), innovative financial products, innovative services such as a comprehensive innovation for national policy support, attention to the dynamic aspects of the industry more effort; government from a focus on small and micro enterprises and enterprises and foster the growth of engineering projects, help establish small and micro enterprise development "green channel" to create a favorable credit environment, establish a sound risk compensation mechanisms and risk prevention mechanisms to resolve other aspects of good work.
Keywords/Search Tags:Local commercial bank, Small and micro businesses, Financing
PDF Full Text Request
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