Research On Innovation Strategy Of Small And Micro Enterprises Credit Products

With the development of market economy in our country,small and micro enterprises have greatly promoted the development of China's economy,which is an important part of China's economy.It not only meets the needs of people at different levels,but also provides jobs,to achieve social stability.Despite the rapid development of small and micro enterprises are still facing various difficulties,One of the most difficult financing difficulties.The main way of financing small and micro enterprises in the bank credit financing,so to solve the financing difficulties of small and micro enterprises,first of all,to find a breakthrough from the bank credit financing.This article expatiates on the basic pattern of bank credit products,mainly introduced the current development of China's Small and micro businesses,analyzes the features of ideas and develop existing credit products,the characteristics of existing products and existing problems are discussed.Based on the comprehensive analysis of domestic and foreign existing research on the characteristics of Small and micro businesses based on the analysis of the reasons of the financing difficulties of Small and micro businesses from the perspective of bank credit products,analysis of product design in Small and micro businesses credit financing in the special status and key role.Based on the "letter of guarantee loan product as the research object,introduces the related background,product business model,the financial business reflects the construction,performance analysis,and emphatically analyzes the product innovation strategy,starting from the product,which explore the credit system,the credit mechanism for further analysis of obstacles,and puts forward the solution of the plight of small micro enterprise credit financing: to establish risk sharing mechanism and guide the parties involved in the government and finance to create a complete ecosystem.