Research On The Financing Situation And Credit Model Of Small And Micro Enterprises

Small and micro enterprises is an important part of domestic real economy,which mainly refers to small and micro enterprises,micro enterprises,family workshop type enterprises,individual industrial and commercial households,etc..As a representative of the market economy in a very dynamic factor and emerging industries,small and micro enterprises play a irreplaceable role in promoting national economic and social development and achieve business people rich,to expand employment and improve people's livelihood,promote technological innovation and reform deepening.Since the eighteenth National Congress was held,with the country's strong support and policy support,small and micro enterprises have gained a fast development,and with its low cost,flexibility and soon become the experimentation area and a breakthrough in the development of innovative enterprises in China.However,due to the small scale,weak strength,management ability and level exists some deficiencies,small and micro enterprises often encounter capital,technology,management,personnel etc.many difficulties.Among them,the financing problem is one of the most prominent.Funds are the lifeblood of the survival and development of enterprises,but also the base of small and micro enterprises of development and growth and the base of success for small and micro enterprises in the domestic and foreign market competition.The survey found that in practice,the current situation of small and micro enterprises financing is not optimistic,not only narrow channels,credit model also has a lot of limitations,seriously restricting the sustainable development of small and micro enterprises.On the basis of literature research,this paper analyzes the current situation of the financing of small and micro enterprises in China and the existing credit models,and obtains the problems and limitations of small and micro enterprises credit model,then,based on the successful experience at home and abroad,improve the opinion and strategy of small micro enterprise credit model from the credit environment,organizational structure,credit technology and risk management,the commercial bank optimization of small micro enterprise credit business,in order to crack the financing dilemma of small and micro enterprises,promote the small and micro enterprises healthy and innovative development suggestions.