小微型企业金融战略.docx

商业银行小微型企业金融服务探讨内 容 摘 要商业银行由于其特殊的银行性质，以及以营利性为目的，以金融资产及金融负债经营为对象，其对企业的金融服务具有极其专业的能力。而我国的小微型企业在经过改革开放的经济发展中成为了GDP提速的助力，目前我国百分之三十的增长率，百分之六十的就业率都由我国小微型企业消化吸收，这将为我国的经济建设提供巨大助力。通过我国商业银行对小微型企业的金融性服务的支持，为我国小微型企业发展提供帮助。那么如何对小微型企业进行更多的金融性服务，成为了目前商业银行的研究目标，同时也成为我们在对商业银行小微型企业金融服务方面研究的重点课题。本文将就商业银行小微型企业金融性服务的优势、劣势两方面进行分析，同时对目前如何开展金融性服务提出建议，希望能对商业银行在此项服务方面有所帮助。 关键词：商业银行 小微型企业 金融性服务 优势 劣势Commercial Banks to small miniature enterprise financial servicesAbstractCommercial Banks because of its special nature of the bank, and for the purpose of profit-making business for financial assets and financial liabilities, their financial services to the enterprise has extremely professional ability. And small miniature enterprise of our country after reform and opening to the outside come GDP in order to speed up the economic development of the power, at present our country growth rate of thirty percent, sixty percent of all employment by the digestion and absorption, small micro enterprises in our country that will provide great help for our countrys economic construction. So how to more small miniature enterprise financial services, has become the research target of commercial Banks at present, also became one of our on small miniature enterprise financial services of commercial bank the focus of research. This article will discuss the advantages of small miniature enterprise financial services of commercial bank and disadvantages were analyzed, and the advice for how to develop financial service at the same time, hoping to be helpful to the commercial Banks in the aspect of the service./translateKeywords: commercial bank Small micro-enterprise financial ServiceAdvantage Disadvantaged目 录一、商业银行小微型企业金融服务的现状…………………………（1）（一）小微型企业的特点……………………………………………（2）（二）商业银行概述与特点…………………………………………（2）二、商业银行小微型企业金融性服务所具有的优势………………（3）（一）网点资源数量大………………………………………………（3）（二）信息采集方法多………………………………………………（4）（三）融资金额小，机动灵活………………………………………（4）（四）小微型企业基数大，贷款需求量足…………………………（4）（五）贷款额度低，审批简单………………………………………（5）（六）银行与企业共同消化资金存储………………………………（5）