关于我国中小微企业信贷业务发展的简析

发布时间：2019-06-19 06:06

【摘要】：中小微企业是我国经济的重要组成部分,在推动经济增长、繁荣市场、吸纳劳动力、出口创汇和技术创新等方面发挥着重要作用,中小微企业的成长直接关系到我国经济的持续快速发展和社会稳定。我国中小微企业对GDP的贡献超过65%,税收贡献占到了50%以上,出口超过了68%,吸收了75%以上的就业人员。中小微企业是我国经济增长的重要推动力量,已无可争议地占据了经济版图的半壁江山。中小微企业的发展离不开资金的支持。大多数中小微企业无法通过资本市场获得资金,银行就成为其外部筹资的主要选择。自2009年国家出台扶助小微企业的政策后,各大银行积极投入,加大扶持力度。但是在银行经营过程中,为满足产业政策、宏观经济形势、风险防控等不同需要,针对中小微企业的融资要求不断变化。本文从分析银行业及中小微企业发展现状出发,结合金融改革、企业转型等方面,从信贷政策、流程优化、风险防范等层面探讨了我行中小微企业信贷业务发展。网
[Abstract]:As an important part of China's economy, SMEs play an important role in promoting economic growth, prospering the market, absorbing labor, earning foreign exchange from exports and technological innovation. The growth of SMEs is directly related to the sustained and rapid development of China's economy and social stability. The contribution of small and medium-sized micro-enterprises to GDP is more than 65%, the contribution of tax revenue is more than 50%, the export is more than 68%, and more than 75% of the employed people are absorbed. Small and medium-sized and micro-enterprises are an important driving force of economic growth in China, which has indisputably occupied half of the economic territory. The development of small and medium-sized and micro-enterprises can not be separated from the support of funds. Most small and medium-sized micro-enterprises do not have access to capital through the capital market, banks become their main choice of external financing. Since the national policy of supporting small and micro enterprises was issued in 2009, the major banks have actively invested and increased their support. However, in the process of bank operation, in order to meet the different needs of industrial policy, macroeconomic situation, risk prevention and control, the financing requirements of small and medium-sized and micro-enterprises are constantly changing. Based on the analysis of the present situation of the development of banking and small and medium-sized and micro-enterprises, combined with financial reform and enterprise transformation, this paper discusses the development of credit business of small and medium-sized and micro-enterprises in our bank from the aspects of credit policy, process optimization, risk prevention and so on. Network
【作者单位】：中国工商银行股份有限公司邹城支行;
【分类号】：F832.4;F276.3

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