Study On Chinese Large-Scale Commercial Banks Supporting Small And Micro Enterprises Financing

Small micro enterprises play an important role in economic development,however,because of the lack of perfect financial statements and the value of the mortgaged property,small enterprises have been facing financing difficult problems.Academia there has always been "small Banks dominance" point of view,and that small and medium-sized Banks exist in the small micro enterprise loan business advantages,large Banks don't suit for small micro enterprise service.But as the policy environment and the change of market environment in our country in recent years,large Banks in China began to gradually change the management idea,explore the small micro enterprise loan model,at present,China's big Banks,small micro enterprise loan pattern has been formed,and obtained a certain result,large Banks in China to support small micro enterprise financing is not feasible and compared to the small and medium-sized Banks have the advantage of profit efficiency.Large Banks in China should play their own advantages and improve own existence insufficiency,further improve small micro enterprise loan mode,improve small micro enterprise financing support,so as to further ease the small micro enterprise financing difficult problem in our country.First to China construction bank as an example,this paper analysed our country the main content of the big Banks,small micro enterprise loan mode and ease the information asymmetry,reduce the cost of lending mechanism,and analyzes the large Banks of the defects in the small micro enterprise loan business,and then through the DEA efficiency of empirical study of China's large banking services to small micro enterprise overall efficiency mean than small and medium-sized Banks and has the advantages of profit efficiency shows that large Banks in China small micro enterprise loan business is not feasible.Finally based on the advantages of large Banks and the deficiencies,proposed consummates our country large-scale bank small micro enterprise loan pattern countermeasure and the suggestion.