大型银行支持小微企业发展的对策.研究.pdfVIP

Abstract Abstract In recent years, under the background of Chinas ongoing economic structural adjustment and the large commercial banks own restructuring of strategy, large banks give more concern for small micro-enterprises, after several years development, in according to the requirements of State and their own, the large banks have set up the corresponding sectors and related products; Due to the small micro-businesses is a new challenge for the large banks, and they can’t learn much experience from their own retail business that they just develop for several years and these two sides cannot get the status of coordination and achieve a win-win situation. Therefore, the research on countermeasures of large banks to develop smaller micro-enterprises and enable it get on the sustainable road has important significance for large banks themselves as well as Chinas adjustment in economic structural. This paper argues that the financing problem faced by small and micro enterprises in China is different from other countries and has its own characteristics. In this issue, the government, small and micro enterprises, banks, other financial institutions have their own problems. Any omission in any aspect will exacerbate difficulties on the problem faced by small and micro enterprises, the causes can be attributed to the lack of overall system supply to small and micro enterprises. Against the problems faced by large banks when doing business for small and micro enterprises, such as: effort is not enough, credit resource is not balanced, mode selection is not clear and lack of effective profession team,