Research On Optimization Of Small And Micro Enterprise Financing Service Plan Of H-Rural Commercial Bank Bengbu Branch

With the sustained and rapid development of China's economy,small and micro enterprises play an increasingly prominent role in absorbing employment,entrepreneurship and innovation,and supporting the development of large enterprises.However,the development of small and micro enterprises is restricted by many conditions,especially the difficulty of financing and the high cost of financing.The CPC Central Committee and the State Council attach great importance to the financial services of small and micro-enterprises,and have issued a series of policies and measures to alleviate the financing difficulties of small and medium-sized enterprises.General secretary Xi Jinping,on the nineteenth National Congress of the party and the national financial work conference,stressed on many occasions that we should establish a inclusive financial system,strengthen financial services for small and micro enterprises,and strive to reduce the financing costs of small and micro enterprises.Premier Li Keqiang also stressed that only small and micro enterprises maintain a good development trend can they really improve the level of economic development.Financial support plays an important role in the development of small and micro enterprises,and it is an important condition for them to achieve their own development goals.With the continuous development of society,our government has always emphasized the practical role of public entrepreneurship,entrepreneurship innovation and service industry development in promoting economic growth.During the whole development stage,small and micro enterprises not only contribute to economic restructuring,but also lay a solid foundation for achieving the goal of national economic development.Focus on maintaining a good development trend of small and micro enterprises,faster and better to provide services for the development of real economy,which is also an important manifestation of commercial banks to fulfill their social responsibility,but also the only way to achieve the goal of sustainable economic development.This paper summarizes the experience of domestic and foreign city commercial banks in supporting the financing of small and micro enterprises by means of comparative study.Aiming at the problems existing in the financing of small and micro enterprises in Bengbu Branch of H Commercial Bank,this paper puts forward six suggestions: improving the design of financing products,optimizing product marketing strategies,improving theefficiency of financing approval,optimizing pricing strategies,optimizing service strategies,and strengthening the development and application of Internet technology.