Research On The Financial Service Optimizationof The Small And Micro Enterprises Of The State-owned Commercial Banks

With the rapid development of China's market economy,the number of small and micro enterprises accounts for more than 90% of the total number of enterprises in the country.Small and micro enterprises have become an important part of China's social economy,playing an irreplaceable role in ensuring full employment of labor force,promoting scientific and technological innovation,and accelerating the development of national economy.The good development of small and micro enterprises can not be separated from financial support.The government and financial institutions have issued a series of policies,such as the implementation measures of the financial support policies for small and micro enterprises issued by the State Council,and various financial institutions have issued a series of policies to support the development of small and micro enterprises.However,financing difficulties still restrict the development of small and micro enterprises.It is of great significance to solve the problem of financing for accelerating the steady development of small and micro enterprises.Firstly,this paper reviews all kinds of theories and literatures about financial services of small and micro enterprises at home and abroad,analyses the current situation of demand and supply of financial services of small and micro enterprises,combs various kinds of financial policies supporting the development of small and micro enterprises,studies the current situation and existing problems of financial services of branch A of China Construction Bank.On this basis,the paper puts forward optimization measures and suggestions,in order to provide some reference value for the state-owned commercial banks represented by the Construction Bank to provide financial services.