商业银行小微企业金融服务研究.docVIP

郑州大学西亚斯国际学院 本科毕业论文 ? ? ? ? 题????目??商业银行小微企业金融服务研究 指导教师?????李志锋????????职称????讲师???? 学生姓名????朱新雅????学号?????201432214113??? ????? 专业????金融学???班级????专升本1班?????? ???? 院（系）????????商学院经济与贸易系???????????? 完成时间????????2016年4月20日????????????????? ?商业银行小微企业金融服务研究 摘 要 小微企业融资难的情况由来已久，在我国经济发展迈入新常态的大背景下，这一问题更是急需解决。就我国前些年的发展状况来看，小微企业可以说是功不可没，它们解决了我国每年七成左右的新增就业人口就业问题。与此同时，小微企业在市场创新这方面也做得非常不错，因为它们小巧而灵活，扎根于市场，对市场需求的灵敏度非常之高。不过尽管小微企业在促进社会就业、产品创新等方面都做得非常不错，但是它们获得的金融支持力度却比较低。受自身条件限制，小微企业的固定资产不多，而且财务也不够公开，所以以银行为首的金融机构大都不愿意为其提供贷款服务。本文就从我国小微企业发展现状介绍了我国小微企业的特点和功能以及我国小微金融服务的内涵和必要性，然后对小微企业的银行贷款现状进行了分析，并指出了其中的问题所在，又通过对国外优秀经验的借鉴，提出了一些针对性较高的建议。 关键词：小微金融服务 小微企业贷款 金融服务  Research on financial services of small and micro enterprises in commercial banks ABSTRACT At present, Small micro enterprise financing has long been a difficult situation, in the economic development of our country entered a big background, the new normal more urgently needed to solve this problem. In the context of the development of our country a few years ago, small micro enterprises can be said to be played, they solved the new employment population is about seventy percent each year in our country the employment problem. At the same time, small micro enterprise innovation in the market that has done a very good, because they are small and flexible, rooted in the market, sensitivity of market demand is very high. But despite the small micro enterprises in promoting social employment, done very well in such aspects as product innovation, but they have the financial support is relatively low. Restricted by their own conditions, small micro enterprise fixed assets, and financial is not open, so, led by Banks, financial institutions are reluctant to provide loans for its services. From the current situation of the development o