Research On Problems And Countermeasures Of Rural Commercial Banks' Financial Services For Small And Micro Enterprises

As an important component of China's national economy,small and micro enterprises are being paid more and more attention by the government.Small and micro enterprises financing problem has been a hot topic in the academic circles of society,because of the characteristics of Small and micro enterprises financing needs "short,small,frequent and urgent",leading to a lot of financial institutions are reluctant to involve Small and micro enterprises in financial markets,financial problems need Small and micro enterprises development is always a serious problem the development of the.In this paper Small and micro enterprises financing problem,from the perspective of China's Rural Commercial Bank of Small and micro enterprises financial support perspective,trying to develop the rural commercial bank support Small and micro enterprises targeted policy recommendations.S bank at the beginning of its establishment,positioning themselves "serving the three rural areas,serving the county economy,serving small and micro enterprises",assumed the responsibility of rural credit cooperatives.In June 2011,the company's business department was established,dealing with small and micro enterprise loans and individual loan applications.Among them,the personal loan business includes personal consumption loans,personal operating loans(ie individual industrial and commercial households and other micro enterprise loans).However,with the continuous development of the economy,the development of small loan companies and online lending has a certain impact on S bank lending business for small and micro enterprises,and there are some problems in its own development.Therefore,it is an important step for the development of S bank to improve its internal financial service process and continuously improve service efficiency.This paper adopts the method of literature analysis,survey analysis,case study method,to study the Small and micro enterprises in financial services,mainly studies the relevant theories of Small and micro enterprises in financial services,conducted a questionnaire survey on the S bank Small and micro enterprises financial services situation,combined with the comparative analysis of related S silver business data,found that the main existing problems,through the analysis of the problem,put forward relevant suggestions.The article mainly includes five parts: the first part is the introduction,which explains the research background and significance,research review at home and abroad,research methods and so on.The second part introducesthe basic theory of financial services of small and micro enterprises.Explaining the small and micro enterprises financial services knowledge from the perspective of commercial banks.The third part of the small and micro enterprises financial services necessary analysis,analysis of the development of small and micro enterprises,the characteristics of financial services and the importance of development.The fourth chapter analysis S bank team Small and micro enterprises financial services survey,so as to find the presence of its services like credit financing disadvantages,such as lack of effective supply,the supply of bank credit and credit conditions do not match the lack of differentiated supervision etc..The fifth part puts forward the suggestions and Countermeasures of S bank Small and micro enterprises financial service problems,including the strengthening of rural commercial bank internal management and enterprise culture construction,increase the Small and micro enterprises to support financial innovation,vigorously carry out coordination and cooperation to support the development of Small and micro enterprises activities and strengthen government departments and etc..