Small And Micro Enterprise Credit Service Strategy Research Of Large Commercial Banks In China

Small and Micro enterprise is an important part of non-public economy,accounting for about 95%of the total number of Chinese enterprises,widely distributed in all walks of life across regions,the increase in employment,expanding domestic demand and promote economic growth,science and technology innovation and social harmony and stability,etc,play an important role.From sight,vigorously develop small micro enterprise is to solve the current economic downward pressure on important decisions.In the long run,support the development of small and micro enterprise through,encourage the venture,peoples innovation is one of the important measures to promote the sustainable development of economy of our country,is also one of the important measures to solve the problem of employment.Reality in China,however,the traditional financial institutions to small and micro enterprise credit service ratio is relatively small,the plight of small micro enterprise financing difficult problem has become the social focus problem.To make up for the "financial disintermediation",and the marketization of interest rate on the influence of traditional large commercial banks business and profit growth,the development of small and micro enterprise credit service has become an important choice to each big commercial bank.In the current economic downturn,the national economic structure adjustment and transformation of the environment,keep development and prosperity of small micro enterprises has become one of the important subject of the present our country economic system,and the large commercial banks in dealing with the role of small micro enterprise financing difficult problem is also more and more obvious.In this paper,the research is divided into six parts:First chapter is the introduction,the paper puts forward the research background,significance,the research status at home and abroad,put forward the research method and the basic framework;The second chapter,put forward the related concept definition,and information asymmetry theory,credit rationing and loan relational theory as the theoretical basis;The third chapter,analysis of characteristics of the financing needs of small enterprises in China,financing present situation and the reason of financing difficulties;The fourth chapter,the thorough analysis of large commercial banks in China the present situation of the development of small micro enterprise credit,and analysis large commercial banks development advantages of small micro enterprise credit;The fifth chapter,by construction bank F branch of small micro enterprise credit service strategy "credit factory" as an example,the analysis F branch current problems existing in the small micro enterprise credit;The sixth chapter,puts forward strengthening our country large commercial banks to support small micro enterprise credit service countermeasures and suggestions;The seven chapter,the research of this article summary analysis,and put forward the conclusion of research,research of innovation and the insufficiency,and the prospect of future research.This article innovation mainly lies in:theory with practice,with China construction bank branch F small micro enterprises "credit factory" pattern as an example,in-depth F branch problems existing in the small micro enterprise credit service,and put forward suitable for large commercial banks in China the development of small micro enterprise credit service strategy,has strong operability,to improve China's large commercial banks small micro enterprise credit service level has important reference and reference.