The Research On The Extension Of Small And Micro Businesses Of Chinese Large Commercial Bank

The traditional view is that Small and micro businesses financing problem should relyon small and medium-sized banks and even non-formal financial institutions to solve. Infact, after years of practice it did not take place. In this context, the efficiency problem oflarge banks in the Small and micro businesses loans which have been neglected is worthrethinking. The large banks are not only suitable for Small and micro businesses loanbusiness, but, compared to the small and medium-sized banks they have the comparativeadvantage.This article summarizes the research status at home and abroad. Firstly, as thebreakthrough point, the bank Small and micro businesses loans theories provide theoreticalsupport for the research. Secondly, theoretical and empirical analysis shows that largebanks are suitable for Small and micro businesses loans and have the comparativeadvantage compared to the small and medium-sized banks. Thirdly, this article introducesthe development status of Chinese large banks Small and micro businesses loan business,and points out the existing problems. Finally, on the basis of Wells Fargo and Citibank’ssuccessful experience, it puts forward the policy recommendations to extend Small andmicro businesses loans.