Huishang Bank Supports The Improvement Of Financing Strategies For Small And Micro Enterprises

The nineteen report pointed out that "China’s economy has shifted transforming development mode,optimizing economic structure and changing growth momentum".the main reason is that there is not enough funds to support financing needs multiple channels efforts,especially as the financial channels of commercial banks in China to support the main body.Merchants Bank as a native of Anhui City Commercial Bank,2015 has been set up in Anhui all County shop,in the face of the fierce market competition environment,we must accelerate the transformation of Small and micro businesses financing services,to provide more competitive financing conditions to support the development of Small and micro businesses.First,combined with literature research method,this paper sorts out the existing literatures and theories,and provides a solid theoretical foundation for writing articles under the guidance of existing theories.Secondly,based on the questionnaire investigation,combining the quantitative analysis of statistics of the merchants bank Small and micro businesses financing status and investigation data,in-depth analysis of the Merchants Bank support the marketing problems of Small and micro businesses financing policy in the qualitative analysis method,and find out the reasons behind the problem.If there is no product practical,unreasonable pricing,credit financing approval cumbersome,heavy credit risk,light tube financing service problem of the low level of Merchants Bank support Small and micro businesses financing,which is mainly due to insufficient attention to Small and micro businesses,the financing environment is not perfect,Small and micro businesses own factors,uneven risk awareness is relatively weak and the quality of personnel.Finally,comparative study of city commercial banks at home and abroad to support Small and micro businesses financing experience were summarized according to the article,for the merchants bank to support the existence of Small and micro businesses financing problems proposed to increase financing product design,improve the credit rating mechanism,optimize the approval process,strengthen the Financing Countermeasures of financing risk control,expand financing service supply five the dimension,the article also believes that merchants bank needs to build Small and micro businesses financing team,perfecting the financing incentive mechanism,with the size of the micro enterprise marketing efficiency three safeguards to support small and micro enterprises financing.