Tongcheng Rural Commercial Bank Support Small Micro Enterprise Development Present Situation And Countermeasure Research

Currentlyhard financing of small micro-enterprisescan be said to be a worldwide financial problem.This issue reflects more prominently in such a developing country that economy is in transition.Extends to the central provinces with less developed economies such as Anhui.The existence of similarproblems,may evenbecome an important factor that affects thedevelopment of provincial economy.In general,small micro-enterprisescan choose commercial banks and private loans for financing.Because of small micro-enterprises are limited to own capital accumulation,in the long term of China's situation,the way of small micro-enterprises financing is based on external financing.The main way of external financing is bank loans.At present,small micro-enterprises are encountering constraints from commercial banks on the allocation of financial products in the external financing,that is,in the process of bank loans,because of their weak economic strength,less collateral,credit rating is not enough and other issues.Financing problem has become a serious problem which restricts the sustainable development of small micro-enterprises in our country.In order to promote the healthy and sustainable development of small micro-enterprises,governments at all levels in recent years have also introduced a large number of policies to support small micro-enterprises.At the same time,actively guide commercialbanks to help small micro-enterprises grow through reform and innovative financing products.These policies and measures have also achieved some good results.According to statistics,various types of commercial bank loans increased year by yearunder the guidance of the policy,many of which involved small micro-enterprises.By the end of 2015,small micro-enterprises credit balance of 164,600 billion yuan,an increase of 17.5%,accounting for 32.4% of corporate loans balance.However,there are still many problems in the process of commercial banks to carry out credit business despite the continuous introduction of policies to support small micro-enterprises and the increase of commercial bankloans.Small micro-enterprises financing problem has not been fundamentally resolved,each time are temporary solutions.Therefore,it is necessary to study the situation of small micro-enterprises' credit business in China's commercial banks and find effective solutions.This papertakes Tongcheng rural commercialbanks as an example,attempts to find out the reasons and solutions of financing difficulties of small micro-enterprises through the form of questionnaire and using the correlation theory.Finally provide suggestions advancing the healthy development of small micro-enterprises and county economy.Firstly,this paper analyzes the current situation of small micro-enterprises in Tongcheng city,and gives an overview of the basic economic situation of Tongcheng city.Then it elaborates the significance of the development of small micro-enterprises to promote economic growth,points out the development of small micro-enterprises in Tongcheng city and draws up the status quo and problems ofsmall micro-enterprises financing through the results of the questionnaire.Secondly,it analyzes the financing support situation of small micro-enterprises from rural commercial banks in Tongchng city.The paper analyzes from three aspects,includes the development history of Tongcheng rural commercial banks,current situation of small micro-enterprisesfinancing business andadvantages that small micro-enterprises' financial supports fromrural commercial banks.At present,Tongcheng rural commercial banks has tailored different products for small micro-enterprises financing according to different types of enterprises.The financing products are diversified and diversified.The figures show that the proportion of small micro-enterprises loans is steadily increasing every year.Loan businessof small micro-enterpriseshas become the main source of Tongcheng rural commercial banks.Thirdly,this paper probes into the problems existing in Tongcheng's small micro-enterprises financingbased on the questionnaires.Lists the problems of small micro-enterprises financingand the causes of small micro-enterprises financing difficulties were analyzed.Analysis of the main banks,governments and small micro-enterprises themselves caused by three factors.Finally,make suggestions for small micro-enterprises financing in Tongcheng rural commercial bankscombined with other domestic commercial banks' advantages of experiencein the financing.The author thinks that small micro-enterprises financing problems can be solved from several aspects,such as accelerate the development of credit products,the transformation of target customers and the transformation of marketing model,explore new service model and reduce the approval procedures and processes.