Innovation Of Small And Micro Financial Service

Small micro-enterprises are an important part of China's economy.At present,the total number of Small micro-enterprises in China is over 12 million,which has prominent functions in stable growth,expanding employment,prospering the economy,meeting public demand and enhancing innovation.The State Council,the State Council,the CBRC and other departments have issued a series of support to support the healthy development of Small micro-enterprise and strengthen the small micro-enterprise financial services notice,highlighting the importance of small and medium-sized enterprises in the financial services of the CPC Central Committee and State Council,Small and medium-sized enterprises,the important role of financial services and emergency situations,and made a specific and more detailed arrangements.At present,China's small micro-enterprises financial services to a certain level,but with customer demand and the development of the industry compared to a certain gap.Under the influence of domestic and foreign economic situation and national macro-control,especially under the new normal small micro-business environment,small and micro enterprise financing difficult situation is particularly prominent.Banking and other financial institutions,small micro-enterprise service system and Small micro-enterprise ranging from docking and other issues continue,especially large commercial banks how to carry out small micro-enterprise financial business has not yet broken.Based on the in-depth analysis of the background of small and medium-sized enterprise financial services research at home and abroad,this paperexplores the important problems in small and micro enterprise financial services,and relying on R bank “Develop village in depth” marketing project as a case,using empirical research analysis Methods Based on the experience of small and micro enterprise financial services,the paper explores the new path and mode of development of small micro-enterprise financial business.