The Research Of Commercial Banks To Small And Micro Businesses Loan Model

It’s very difficult for small and micro businesses to finance from banks. Based on the theoretical analysis and researching successful experience at home and abroad, this paper gives some credit models and adapted development policesIt’s very important of the healthy development of the small and micro businesses. Firstly, using producer equilibrium theory and information asymmetry theory, this paper analysis the dilemma of the small and micro businesses credit financing, which includes how to decide the financing costs reasonably and how to compensate the information asymmetry between enterprises and banks? Then the key factors which influence the small and micro businesses’bank financing are analyzed, such as comprehensive ability and credit status of small and micro businesses, the bank’s business level and innovation ability, the development of social intermediary organizations and the regulation and intervention of government.Next, successful credit models of the small and micro businesses at home and abroad are researched. The abroad successful cases include American government loan guarantee model, Bangladesh grameen bank model, Bolivia sun bank model and Temasek model in Southeast Asia. The home classic cases include Fu song model, Baotuan credit model,"Shang dai tong" model, Qiao sui model, and The network security credit model. Lastly, the countermeasures to promote the small and micro businesses’credit model innovation are proposed.