Research On Commercial Banks' Response To Financing Problems Of Small And Micro Enterprises

At present,the importance of small enterprises in the social economic system has received the widespread attention of people,the development of small enterprises in our country and the survival is extremely seriously,small micro enterprises gradually become adjust an important part of economic development,social stability and harmonious,on the one hand it can increase employment opportunities and improve the economic vitality of the positive role,at the same time on the economic front has optimized the structure of the economy as a whole.At present,due to the limitations of their size and capabilities,small and micro enterprises in China still do not receive enough attention in the financial system.The "difficult" and "expensive" problems commonly faced in the financing process largely restrict the growth and development of small and micro enterprises.The emergence of inclusive financial products provides a new opportunity for the financing of small and micro enterprises.Therefore,this study analyzes the problems in the financing process of small and micro enterprises from the perspective of inclusive finance,in order to provide ideas for improving the financing problems of small and micro enterprises.On the basis of summarizing the domestic and foreign scholars' research and theories on financing of small and micro enterprises and inclusive finance,this paper analyzes the advantages of inclusive finance in promoting financing of small and micro enterprises.On this basis,the paper investigated the financing status of small and micro enterprises in A city,and analyzed the concrete practice of the construction Bank's inclusive finance to alleviate the financing difficulties of small and micro enterprises.Then,the paper analyzes the problems of the construction Bank's inclusive financial products in alleviating the financing difficulties of small and micro enterprises,and analyzes the reasons.Finally,the paper puts forward corresponding countermeasures and Suggestions for the financing difficulties of small and micro enterprises.The research is carried out in the following aspects.The first part elaborates the background and significance of this research,and further summarizes relevant research results at home and abroad.Meanwhile,the content and framework of this paper are clarified and the research methods are determined.In the second part,it summarizes the theories of inclusive finance and financing of small and micro enterprises,and analyzes the advantages of inclusive finance in promoting financing of small and micro enterprises.The third part introduces the basic situation of Bank A,analyzes the concrete practice of inclusive finance of China Construction Bank to alleviate the financing difficulty of small and micro enterprises,and analyzes specific cases.In the fourth part,the cognition,use and evaluation of inclusive financial products and services of small and micro enterprises in A city are obtained through questionnaire survey.In the fifth part,the paper analyzes the problems in the practice of the inclusive Finance of China Construction Bank to alleviate the financing difficulties of small and micro enterprises,analyzes the causes of the problems,and puts forward the problems and reasons in the aspects of product category,balance of supply and demand,business development,risk control and cooperation obstacles.The sixth part,aiming at the problems and causes of financial inclusion in alleviating financing difficulties of small and micro enterprises mentioned above,puts forward strategies such as product and service innovation,paying attention to public demand,rapid loan business,controlling financial risks and reducing cooperation barriers.Through this study,we can find that the inclusive financial products should be constructed from the aspects of product design,product supply,business development,risk control and business cooperation,so as to provide comprehensive financial services for small enterprises and gradually solve the supply and demand gap of small enterprise finance.