Study On The Development And Innovation Of Commercial Bank’s Small Enterprises Credit Business Under The Backgrand Of Interest Rate Maketization

Small businesses play an important role in national economic and social development of their technological innovation, an active market, stable employment. In recent years, in order to promote employment and support entrepreneurial development, government and commercial banks have increased efforts to support small businesses. Banks must accelerate the development of small business credit business because of the strong market demand for small business credit and banking traditional credit market competition.To meet the credit needs of small businesses Commercial banks through continuous innovation to accelerate the transformation of the mode of operation. at the same time, improving their competitive advantage in the fierce competition market. the banks in our country are rely on high interest model has been developed for many years, which giving huge profits every year But the rigidity of the interest rate formation mechanism is inhibition the credit market activity, increasing financing costs. Under this background, intended to form a reasonable interest rate pricing mechanism to promote commercial bank fully competitive, reduce financing costs,in 2014 the government was using the full implementation of market-oriented interest rate. However, the market-oriented reform of interest rate is making the spread became smaller, the commercial bank profit space was narrowing. In the new financial marketing environment, the commercial bank should promote the development of small business credit business, including financial services, increase financial innovation, to seek new economic point for growth. Under the marketization of interest rate, how commercial banks to develop small business credit ? This method of theoretical analysis and case studies combining, Research from the following aspects: the first part introduces the research background, research significance, research status and research methods of this topic; the second part describes the financing and bank small business credit theory, to pave the way below the theoretical commercial bank small business lending; The third part analyzes the plight of small business financing, small business development bank loans necessity and feasibility; Part IV analyzes the positive and negative impact on small business credit business development in the commercial bank interest rate market, lay the foundation for the bank to find a reasonable small business credit model; The fifth part by analyzing commercial bank loans to small businesses Tyrone typical case, provide the successful experience of China’s banks to small business credit business development; The sixth part of China’s commercial banks to better carry out small business lending in the context of the interest rate market, based on the foregoing theoretical analysis and case studies.The seventh chapter is the summary and outlook. Commercial banks to establish a sound management structure and business model development of small business credit, small businesses expand their business in accordance with the actual situation, the bank will get a good profit.. In addition, in order to gain market competitiveness, commercial banks should introduce flexible interest rate risk pricing mechanism, according to market demand to determine the level of lending rates.