The Analysis of Improving Small Micro Financial Services Mechanism in Commercial Banks
|Keywords||commercial banks small micro finance small micro enterprise financial service|
On nature, small micro enterprise, one of the industrial and commercial enterprise with an independent legal personality, which undertakes the obligations to pay taxes, is an emerging power that can’t be ignored in the process of the development of the market economic in our country. Specifically, small micro financial services are financial services products which aim at the research of small business users and at the development of small micro enterprise financing needs. Small micro financial services in Commercial Banks not only help the development of the enterprise itself, but also revitalize the funds of Commercial Banks. They also improve the commercial Banks’ capital flow speed and the degree of capital management and comprehensive investment and profitability, promote the development of commercial Banks. From the global perspective, the Commercial Banks carrying out the small micro financial services can also further perfects our country’s economic structure, and promotes the healthy development of China’s overall economic. Therefore, promoting the improvement of small micro financial services of Commercial Banks is very necessary. From the current situation of the development of small micro enterprise, this article analyzed in-depth the development situation and outstanding problems of small enterprises in our country, and then draw lessons from foreign Commercial Banks which carry out the small micro financial services for analyzing in depth the problems in the mechanism of small micro financial services of Commercial Banks in our country. At the same time, it also put forward its own proposal to how to develop small micro financial services in the Commercial Banks.This study is divided into five parts. The first part, chapter1and chapter2, the introduction of this research, explained the background, significance, methods, status and literature review of the research, etc. The second part, the third chapter, explained the situation of the development of small micro enterprises in our country and the financing problems. The third part is the fourth chapter of the article, which analyzed the cause of difficult financing problems of the small micro enterprise from the governmental, industrial1and the commercial banks’ level. And it respectively analyzed from different aspects the cause of small micro enterprise financing difficult dilemma. The fourth part is the fifth chapter of the article, and mainly investigated the current situation and analyzed the experience for small micro financial services of domestic and foreign Commercial Banks. The fifth part is the sixth chapter of the article, which offered the proposals to improve small micro financial services mechanism in the Commercial Banks. Mainly, on the basis of the research of foreign experience, from the governmental, industrial and the commercial banks’level, it gave advice to small micro financial services of commercial banks.