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RESEARCHONSMALLANDMI CRO ENTERPRl I NANC川G SES(SMES)F BUSINESSEXPANSIONIN COMMERCI^L队NKSlNTHE ABSTRACT the ofthe mad market micro Along州mdevelopment economy,smallenterprises elementin ofnational of (SME)，act∞mimportant promotion the ofsocial andremissionofthe economybody,maintenancestability employment oftheSMEscontributes tothe pressure．Thehealthydevelopment signifieandy sustainable ofthemarket inChina between However,the development economy paradox the demmadof andthedifficultiesin istheresultofthe huge financing SMEs，which characteristicsoftheSMEsandtherisk ofthecommercialthe preferences banks,is restrictionintheofSMEs greatestbottleneckdevelopment The issueofSMEs inthecommercialbanksisthe inthe financing hotspotfinancing research theideasof and by scope segmentation Theoretically,driven economy,market banks havenoticedthefieldofSMEs and comparativeadvantage，commercial financing startedto servicesWe related needtobeawarethatthoseresearch and provide