On The Financial Services Of Small And Micro Enterprises In Tibet Under The Financial Incitement Strategy

This paper is to study the Tibet autonomous region in implementing the strategy of financial leveraging,the facility small micro enterprise financial services of commercial bank to promote economic development,aims to reveal the small micro enterprise financial services of commercial bank for realizing the positive effect of financial leveraging.About Tibet in finding the small micro enterprise financial services for the realization of financial leveraging in the literature,the number of research about this aspect is very little,is almost a handful.Therefore,this article is to Tibet small micro enterprise financial services and to achieve the financial leveraging,for the field theory has at least two aspects of meaning: one is to enrich the Tibetan small micro enterprise financial services data material,through a full analysis of the mining,enrich related research first-hand data;The second is to investigate the Tibetan small micro enterprise financial services to support small and medium-sized enterprise financing policy,beneficial supplement and enrich the relevant theories of small micro enterprise financing.There are two main types of research methods in this paper: 1.Literature review method.Prior to the study,the literature was reviewed,so as to have a general understanding and understanding of the field in theoretical research.Empirical analysis.This article will select the Tibet autonomous region duringthe 2012-2015,four years small micro enterprise loan balance changes,and the Tibet small micro financial service development present situation and the support effect on regional economic growth analysis to illustrate the Tibet of small micro enterprise financial services of commercial bank changes.This article mainly through to the Tibet autonomous region small micro enterprise financial services of commercial bank and implementation of financial leveraging situation and the domestic micro,small and medium enterprises financing situation,as well as the micro,small and medium enterprises in Tibet in Tibet and the proportion of the various financing made analysis and comparison of calculated from the actual situation of Tibet autonomous region small micro enterprise financial services,brilliant achievements,and the positive influence on the financial leveraging and evaluation.Although the amount of financing for small and micro businesses in Tibet is growing,the proportion is still too small to make financial leveraging fundamentally.According to the analysis,the small micro-financial products are defective,such as the slow pace of product innovation,the serious condition of the product,the imbalance of the product structure,etc.Small micro enterprises have their own problems,such as limited management capacity,transparent information,poor financial system and the difficulty of running risks.Bank internal management problems,such as target market positioning is not accurate,shall not apply to the demand of organization,management mode is not adapt to the development,information collecting ability to improve,and risk management mechanism is not clear,etc.The supporting policies and environment need to be improved.The financial services of small and micro enterprises in Tibet play a key role in the success of small and micro enterprises in realizing financial leveraging,although the regional government has a lot of preferential policies for small and medium enterprises,it is clear that subsidies can't completely solve the financing of small and micro enterprises problem.The micro-finance business should play a better role in financial action.The government can help,implement the micro-enterprise loan risk compensation fund,improve the micro-enterprise credit guarantee system and insurance system,accelerate the establishment of a sound micro-enterprise credit evaluation system,Development of intermediaries,the financing of the financing market effective operation;bank help,to create suitable for small enterprises in Tibet,the characteristics of small products to improve the risk of small micro-finance business and management and control capabilities for small micro enterprises to provide a full range of financial services,Service team,professional system and business processes;enterprises with all-round help.