Fuzhou Rural Commercial Bank To Support Small Micro Enterprise Development Path Selection Research

By combing of the research conclusion,we know that there are a few studies on the Rural Credit Cooperatives and Rural Commercial Banks support for the Small-Middle Enterprises.As one of the Small-Middle financial institutions,Fuzhou Rural Commercial Bank has unique advantage in supporting the Small-Middle Enterprises.The paper studies on Fuzhou Rural Commercial Bank to support the SMEs development path choices.The paper starts on the theory of inclusive finance and the financial innovation.Firstly,the paper analysis the service modern on different financial institutions support for the Small-Middle Enterprises.The large-scale financial institutions take advantage of the capital scale.The joint-stock commercial banks specially service the Small-Middle Enterprises.The small loan companies make use of the internet.Secondly,the paper analysis that the measure on the support for the Small-Middle Enterprises of Rural Credit Cooperatives and Rural Commercial Banks in Fujian province.Fuzhou Rural Commercial Banks launches the "speed to loan".Jinjiang Rural Commercial Banks launches the "Federal loans" and "business link" with the help of government.Zhangzhou r Rural Commercial Banks launches the "supply chain finance".However,the Small-Middle Enterprises develop weak;the commercial banks management principles,that is safety,liquidity and profitability;the cooperation between the government and the banks is not deep enough;and the lack of financial innovation.Therefore,the Fuzhou Rural Commercial Banks face many difficulties in supporting for the Small-Middle Enterprises.Based In the analysis of Fuzhou Rural Commercial banks to support the development of SMEs,the paper suggests establishing professional institutions,providing diversified products,providing personalized service,and introduction of credit performance guarantee insurance.The Fuzhou Rural Commercial Banks launch the different financial products depends on the local industry.And the banks need to understand the enterprise cash liquidity and other information except for the financial statements.The paper launches the "one-station service",and widespread the free-speed evaluation.The paper puts forward that the bank should innovative mechanisms to encourage people to participate in business development,should accelerate financial innovation to overcome the problems of small and micro enterprises themselves,and risk management,and then perfect social credit system.