Font Size: a A A

Research On Taizhou Bank's Credit To Support Financing Of Small And Micro Enterprises

Posted on:2020-04-12Degree:MasterType:Thesis
Country:ChinaCandidate:J X LiFull Text:PDF
GTID:2439330590452688Subject:Project management
Abstract/Summary:PDF Full Text Request
Small and micro-enterprises are an integral part of the national economic activities,which have made great contributions to the economic development and the increase of employment opportunities.However,financing difficulties and loan difficulties have always been the biggest obstacles to their growth.As a financial institution with unique advantages,local commercial banks should provide comprehensive,multi-level and differentiated financial support and services to small and medium-sized enterprises.However,due to the diversification of small and micro-enterprises,small capital scale,financial system construction and information asymmetry,local commercial banks are still in a "difficult" state.In view of this,this paper probes into the problems and reasons of "financing difficulties" of small and micro enterprises and "difficult loans" of local commercial banks,and puts forward suggestions to improve the situation of financing difficulties of small and micro enterprises to a certain extent,to promote their better development,to realize the optimization of financing environment and the promotion of the whole regional entity.The relationship between economy and financial system and win-win development are of great significance.On the basis of theoretical analysis and case study,this paper analyses the current situation of Taizhou Bank's support for small and micro enterprises' financing,analyses the problems and causes,and synthesizes some successful measures of domestic and foreign commercial banks to support small and micro enterprises' financing,providing theoretical reference for the improvement of Taizhou Bank.A kind ofAfter the research of the subject,we find that the current difficulties faced by the financing of small and micro enterprises are: small and micro enterprises themselves have backward industrial structure,which makes them have greater enterprise risks.As the main channel of financing for small and micro enterprises,commercial banks have limitations on financing and development of small and micro enterprises because of the defects of their management institutions.In addition,the financial products provided by commercial banks for small and micro enterprises are relatively single,lack of innovation,and lack of professional financial service personnel.All these factors restrict the financing of small and micro enterprises,and bring financing difficulties to small and micro enterprises.Through combing the successful experience at home and abroad,this paper providessome strategic references for Taizhou Bank to support the financing of small and micro enterprises: Taizhou Bank should improve its own strength,improve its management system,improve its integrity,and strengthen the communication between banks and enterprises.Local commercial banks and enterprises should adhere to the market positioning of small and medium-sized enterprises and give full play to the advantages of local commercial banks.Taizhou Bank must timely reform and innovate its management mechanism,actively participate in the innovation of financial products,and accurately grasp the industrial dynamics on the basis of national policy support.In the favorable environment of government support for the development of small and micro enterprises,banks themselves should establish risk compensation mechanism and risk prevention and resolution mechanism,so that they can safely provide financing support for small and micro enterprises.
Keywords/Search Tags:Bank of Taizhou, local commercial banks, small and micro enterprises, financing support
PDF Full Text Request
Related items