大型商业银行支持小微企业发展的策略思考

发布时间：2019-01-07 09:25

【摘要】：小微企业作为市场经济中最基础、最广泛、最活跃的主体,其对城镇化发展的推动作用是强大而深厚的。近年来,小微企业的发展越来越受到全社会尤其是银行业的密切关注和高度重视。本文从信息不对称理论出发,研究了小微企业的融资困境,并结合目前商业银行对小微企业信贷市场的认识,总结了小微企业"业务零售化、客户集中化"的特点,最后通过讨论大型商业银行的自身优势,为其如何更好支持小微企业发展提出对策性建议。
[Abstract]:As the most basic, the most extensive and the most active subject in the market economy, small and micro enterprises play a powerful and profound role in promoting the development of urbanization. In recent years, the development of small and micro enterprises has attracted more and more attention from the whole society, especially the banking industry. Based on the theory of asymmetric information, this paper studies the financing dilemma of small and micro enterprises, and summarizes the characteristics of small and micro enterprises'"retail business and customer centralization", combined with the understanding of the credit market of small and micro enterprises by commercial banks at present. Finally, by discussing the advantages of large commercial banks, the author puts forward some suggestions on how to better support the development of small and micro enterprises.
【作者单位】： 中国工商银行四川省分行沙河支行;
【分类号】：F832.4;F276.3
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本文编号：2403500