The Research On Commercial Banks In Quanzhou Support For Micro Enterprise Development

In 2015,the GDP of Fujian province was 2 trillion and 597 billion 982 million yuan,of which the GDP of Quanzhou area was about 614 billion 900 million,which accounted for about 23%of the GDP of,and the status of Fujian's economic development was obvious.At the end of November 2016,Quanzhou banking institutions Small and micro businesses loans 72 billion 836 million yuan,an increase of 73.83%,of which Small and micro businesses in the loan business loans in the proportion of 73.83%,but relative to the large number of small and micro enterprises base,the proportion is still low.Financing difficulty is the outstanding problem of Fujian small and micro enterprises survival and development,China's capital market has not yet fully developed,temporarily unable to meet the different stages of development of enterprises,the financing system.How to solve the problem of financing small and micro enterprises in Quanzhou has become an important issue of economic development in Quanzhou.Based on this background,this paper is based on the actual situation of small and micro enterprises in Quanzhou,and puts forward specific solutions for small and micro enterprises in Quanzhou to solve the practical problems of financing,and thus promote the development of Quanzhou economy.Quanzhou micro,small and medium enterprises are small in size,cash flow is limited,in management also had considerable limitations,such as friends and family business partnership form,production technical level is not high,mostly relies mainly on labor-intensive industries,lack of product development and innovation ability,hardware devices can't update in time,also not enough modem management way.Small business financial system flaws,false accounting,information asymmetry,transparency is low,so that the weak part of the small business credit concept,malicious misappropriation of smoke escape capital,on money from the bank debt,endanger the credit level of small business.Many small businesses are widespread and low level of equipment,process,result in poor quality of the product.In recent years,our country appeared very shocking events,such as clenbuterol poison steamed bread\events such as food safety problem has attracted much attention.Make party reversed transmission of the enterprise,not only will bring trouble throughout the industry.So,in the small small scale,single product variety,lack of independent innovation and technology,low product added value in small businesses anti-risk ability is poor,easy to be limited by changes in prices of raw materials and market,weak market competitiveness.This paper summed up the related research achievements at home and abroad,and expounds the related theory of small and micro enterprises financing development,then combined with the actual analysis of Quanzhou Small and micro businesses development,financing and commercial banks in Quanzhou Small and micro businesses in the financial business development situation,again based on the existing research results,analyzes the impact of business banks in Quanzhou to support small and micro enterprise development external factors and internal factors using game theory and questionnaire investigation method,finally the conclusion of the study,puts forward related suggestions.