Commercial Banks To Small Micro Financil Services Inviestment Projects

Small and micro enterprises are comprised by small enterprises,micro enterprises,family workshops enterprises,individual industrial and commercial households.It is proposed by the economist Professor Lang Xian ping.China's small and micro enterprises have encountered a series of serious problems affecting its survival and development due to various reasons at home and abroad,especially the irrational factors of domestic economy and society.Jiangsu Pizhou currently has a number of small and micro enterprises,the healthy development of small and micro enterprises meet the daily needs of the majority of people in Pizhou,but also to protect the employment rate and sustained economic growth,effectively promote the full range of development and progress of Pizhou City.But the financial services problems still exist in the process of continuous development of small and micro enterprises in Pizhou.This paper analyzes the small and micro enterprises in Pizhou and obtains the financing characteristics and status quo of small and micro enterprises in Pizhou.So how to solve the problem of small and micro enterprises financing in Pizhou?Pizhou rural commercial bank established micro finance ministry,through the introduction of Taiwan's micro credit technology.Hire consultants are distributed in the form of small and micro loans,to service for small and Micro customers on the.Micro finance department to set up is in order to better serve the local economy development,the realization of the "small,scattered,support agriculture,small" requirements.According to the working experience in Pizhou rural commercial bank,based on full understanding of local small and micro enterprises,the author analyzes the existing problems of small and micro enterprises financing through designing the questionnaire investigation.And also,the micro service problems and the reasons of the bank are summarized and summed up.Through the above arguments,it concludes that commercial banks should constantly cultivate professional talents and establish the matching performance appraisal way through system innovation.Besides,the banks should change the present small financial service mode and enhance banks and enterprises,government cooperation.And improve the social credit environment to bring"pure land" for the development of small and micro financial.Also,the banks should do a good job in the development of small micro financial relying on local then achieve win-win argues.