How To Solve The Financing Difficulty Of Small And Micro Enterprises Under The Background Of Inclusive Finance Practice

The purpose of Inclusive Finance is to enable vulnerable groups such as small and micro enterprises to obtain comparatively equal services.Small and micro enterprises play an immeasurable role in the national economy.The state and relevant institutions attach great importance to the services provided by small and micro enterprises.Many relevant measures have been formulated to solve the problems encountered by small and micro enterprises in view of the development of small and micro enterprises.Under the guidance of the general and provincial inclusive financial policies,Bank of China Branch A must combine the characteristics of market and its own development,analyze and study the characteristics of small and micro enterprises in A city,promote the financial products of banks to small and micro enterprises in A city,and implement a series of financial measures to develop the related business of small and micro enterprises.However,in the process of carrying out the specific work,Bank of China branch A appears many inadequacies.Therefore,it is of theoretical and practical significance for the research on the practice of financing the difficulties of small and micro enterprises in the Bank of China A branch under the background of inclusive finance.This paper provides some reference opinions for future specific problems,hoping to provide reference for other commercial banks and other financial institutions.Based on the relevant theories of Inclusive Finance and small and micro enterprises financing of commercial banks,this paper makes an analysis and Research on the financing business of small and micro enterprises carried out by Bank of China branch A through case analysis.Firstly,this paper introduces the financing status of small and micro enterprises in A city and the basic situation of financing business of Bank of China Branch A.Secondly,it analyses and studies the relevant business practices of small and micro enterprises of Bank of China branch A,and finds that in the process of practice,Bank of China branch A encounters the limitation of product innovation authority space,Bank of China branch A encounters the limitation of product innovation authority space,and the interests of related businesses of small and micro enterprises are not guaranteed.Obstacles,high rate of non-performing assets,lack of authority to approve loans and other difficult problems,but Bank of China branch A through changing traditional concepts,actively serving small and micro enterprises,actively launching special products,relaxing the assessment of small and micro enterprises related business,formulating special preferential measures to solve the financing difficulties of small and micro enterprises,and combining with specific cases for analysis.In the process of practice,it is found that the successful experience of Bank of China branch A includes continuous innovation of financial products,simple and efficient financing process,professional management team,innovation of service mode,etc.There are also some shortcomings,such as insufficient financial products,unstable risk management and imperfect assessment mechanism.Finally,the paper gives some suggestions on how to improve the financing of small and micro enterprises in Bank of China Branch A.It will promote the development of Bank of China Branch A from the following aspects: promoting the development of Internet model,strengthening risk management,broadening the financing channels of small and micro enterprises,implementing the provincial administrative policies,and establishing a scientific assessment mechanism.