Research On The Small And Micro Enterprise Credit Business Of Enshi Rural Commercial Bank

With the rapid development of market economy in China,the number of Small and micro businesses accounted for 99% of the total number of enterprises nationwide,Small and micro businesses has become an important part of China's social economy,in ensuring the full employment of labor force,promoting scientific and technological innovation,play an irreplaceable role in accelerating the development of the national economy,but Small and micro businesses the financing problem is always an important factor restricting the development of Small and micro businesses,solve the financing difficult problem of a Small and micro businesses to accelerate the healthy development of Small and micro businesses is of great significance,has the advantages of rural commercial bank richly endowed by nature as the main unit of small and micro enterprise loan funds,to a more detailed understanding of business conditions,to make the loan before the loan after the inspection,should be provided for Small and micro businesses targeted,multi-level,The lack of collateral security,and so a series of factors,resulting in small and micro enterprises in China,the bank loan financing problem is significant.Based on this phenomenon,this paper starts with the status quo and the causes of small and micro enterprises "loans" and "Enshi rural commercial bank lending difficult",in accordance with the rural commercial bank in support of Small and micro businesses financing puts forward constructive suggestions on the to solve the financing difficulties of Small and micro businesses,the prosperity of financial market,driven by local banks cooperation has important practical significance and guiding significance to achieve mutual benefit and win-winIn this paper,the local commercial banks in Enshi as an example,to support small and micro enterprises in the loan business problems and countermeasures.First of all,the domestic and foreign research on the Countermeasures of Small and micro businesses and rural commercial banks to solve the financing difficulties of Small and micro businesses loans results are summarized;the first chapter is mainly on the Small and micro businesses,rural commercial bank and loan business concepts,anddiscusses the theory,credit rationing theory and life cycle theory Small and micro businesses the commercial bank and the Financial Symbiosis between Small and micro businesses,as the theoretical basis;the second chapter through to Enshi rural commercial bank for small and micro enterprise credit business situation analysis of the effects of loan products and discusses the development measures of Enshi rural commercial bank,the existing situation,found that the local commercial banks to Small and micro businesses exist in the credit business the problem.The third chapter is the research of commercial banks by many developed countries Small and micro businesses credit case,from its credit financing and excellent products;in the fourth chapter,Through the study of small and micro enterprises credit cases of other commercial banks,we can learn from their excellent credit financing methods and products;for suggestions to improve the loan business innovation and development of Small and micro businesses and Countermeasures of fifth chapter of the Enshi rural commercial bank Small and micro businesses credit problems.