商业银行金融支持小微企业问题研究

发布时间：2018-01-07 06:17

本文关键词：商业银行金融支持小微企业问题研究　出处：《改革与战略》2017年04期 　论文类型：期刊论文

【摘要】：随着我国社会主义现代化建设的不断发展,我国的小微企业取得了卓有成效的发展,为国民经济增长注入了源源不断的生机与活力,不仅促进了社会就业,而且有利于市场经济体制的优化改革。然而,从我国当前的小微企业发展情况看,其数量较多,涉及的行业与地域比较广,给商业银行金融支持带来了一定的压力。文章着重对小微企业融资问题进行分析,探究了当前小微企业信贷融资存在的问题,并分析了商业银行加强小微企业金融支持的必要性,对这一过程中存在的问题提出推动小微企业金融业务"零售化"转型、实施标准化的小微企业金融业务经营模式、树立新的小微企业金融业务发展理念等对策。
[Abstract]:With the continuous development of socialist modernization in our country, the small and micro enterprises in our country have made fruitful development, which has injected a continuous stream of vitality and vitality into the national economic growth, and not only has promoted the social employment. However, from the current situation of the development of small and micro enterprises in China, the number of small and micro enterprises is relatively large, involving a wide range of industries and regions. It brings certain pressure to the financial support of commercial banks. This paper focuses on the analysis of the financing problems of small and micro enterprises, and probes into the problems existing in the credit financing of small and micro enterprises. The necessity of strengthening the financial support of small and micro enterprises by commercial banks is analyzed, and the problems in this process are put forward to promote the "retail" transformation of financial services of small and micro enterprises. To implement the standardized financial business management model of small and micro enterprises and to establish a new concept of financial business development of small and micro enterprises and other countermeasures.
【作者单位】：厦门城市职业学院;厦门市中小微企业金融服务研究所;
【基金】：福建省金融教育基金会课题“福建省金融发展促进经济增长对策研究”(项目编号:2014Y26)
【分类号】：F275;F276.3;F832.4
【正文快照】： 一、小微企业资金需求特点(一)资金需求量小当前我国的小微企业规模普遍较小,很少具备承担大型经营项目的能力与实力。即使是处于成长期对资金量要求较高的小微企业,在承担大型业务项目过程中也往往容易受到规模的限制。从另一方面来说,我国的小微企业大部分从事的是加工、制

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