The Research Of Financing Service Towards Small And Micro Businesses And Development Strategies Concerned In State-owned Commercial Bank

The prosperity of small and micro businesses is closely related with thedevelopment of economy and society. It’s playing a more and more importantrole in the fields of national income, people’s livelihood and social stability.During the past few years, small and micro businesses in China havedeveloped rapidly which partly thanks to the policy supports from thegovernment. However, the financing towards small and micro businesses isalso facing a series of challenges in spite of the optimistic backgroundmentioned above. Among which, the potential improvements of bankingservice are especially worth intensive study.Making a general survey of the financing history of small and microbusinesses, it mainly includes following patterns. All Patters cut both waysand serve as significant references.Ⅰ. Microfinance Company PatternⅡ. Consumer Finance PatternⅢ. Insurance PatternⅣ. E-business PatternⅤ. P2P PatternⅥ. Banking PatternAs a representative of State-owned Commercial Banks, Bank ofCommunications has paid great attention to the financing service towardssmall and micro businesses and made remarkable progresses in recent years. Meanwhile, pressures from both outside and inside seem inevitable. In theview of this, the author suggests that improvements can be made in followingaspects:Ⅰ. Clearing the business bordersⅡ. Improving the management systemsⅢ. Meliorating the operating patternsⅣ. Optimizing the stimulating assessmentsⅤ. Inspiring the new productsⅥ. Strengthening the risk controls...