The Medium And Small Commercial Bank Service Under The Background Of Interest Rate Marketization Research On Small And Medium Sized Enterprises In WenZhou

In recent years,the process of marketization of interest rate increases gradually,the marketization of interest rate is the route one must take the deepening of China's financial system,so in this background,through the analysis of the advantages and disadvantages of small and medium commercial banks,establish market positioning services for small and medium sized enterprises;small and medium-sized enterprises has rapid development,become the main pillar of economic development in Wenzhou,made a great contribution the economic development of Wenzhou area.90%,industrial added value in Wenzhou area GDP 85%,social 90% of sales and 85% of revenue was made by small and medium enterprises,can be said that small and medium-sized enterprises to solve the employment of 95% jobs in Wenzhou area.In this paper,in the interest rate market,the trend of development of small and medium commercial banks,financing state of small and medium-sized enterprises in the existing research results on the basis of the analysis of the small and medium enterprises in Wenzhou,the present situation,characteristics and financing of the status quo,analysis of the SWOT and from the small and medium-sized enterprises,small and medium-sized commercial banks,more systematic study the causes of the financing difficulties of small and medium sized enterprises in Wenzhou the paper,aiming at the above reasons,the small and medium-sized commercial banks in China to play their own positioning,flexible,close to the market and the innovation mechanism,improve financial services to small and medium commercial banks as the main body,the real for the Wenzhou small and medium-sized enterprise tailored,service innovation and risk control of the small and medium-sized commercial banks in China based on local,specific policies and measures in Wenzhou financial services for small and medium enterprises.