The Research On Small And Micro Enterprises Financing Of State-owned Commercial Bank In County

As the largest part of corporate entities in county,the county small and micro enterprises play an irreplaceable role in the area of promoting economic development and solving labor employment.Researching and meeting its financing needs is an important task of state-owned bank branches.Rural credit associations and rural banks are main supplier to small and micro enterprises,state-owned banks are lack of enthusiasmfor servicing.But for competitive and supervise reasons,state-owned commercial banks attach increasing importance to Small and micro business finance.Basing on the theoretical analysis and field research,the article analyzes the limitation,real financing needs and current financing state of small and micro enterprises,and focus on its financing availability.The research shows that the county small and micro enterprises face many restrictions,such as its strong financing constraints.Because of its system's and employee's characteristics,state-owned banks show insufficient service capacity,many conceems and service model to be optimized in spite of strong will,which products do not fit the needs of small and micro enterprises.The article proposes a feasible path for state-owned banks to improve the quality of micro and small financial services and improve service efficiency,which bases on the above analysis and combines the actual situation of small and micro financial services of state-owned banks.