Small And Micro Businesses Financing Predicament And Countermeasures Under The Perspective Of Bank

Part of Small and micro businesses as a market economy the most active, the most widely used, has created the massive employment opportunity for us, and promote technology innovation, increase the fiscal revenue, in promoting China's economic development, market prosperity, improve people's livelihood, maintaining social stability has made distinctions won in battle. It can be said, no Small and micro businesses large and wide as the backing, the sustainable development of China's economy will be difficult to achieve. But the prevalence of small and micro enterprises performance is not stable, anti risk ability is weak, the low level of credit and other defects, does not match the financial support and economic contribution so that they get the financing difficulty has become a bottleneck restricting the development of small and micro enterprises, how to help them out of the financing difficulties, and promote its healthy and rapid development has become very important.In order to solve the financing problems of Small and micro businesses, we must present financing situation of small and micro enterprises as a starting point for research, systematic analysis of the causes of the financing difficulties, and puts forward effective countermeasures. This paper analyzes the Ningbo area small and micro enterprise financing present situation and difficulties of the causes from the angle of bank, Minsheng Bank Ningbo branch of Small and micro businesses to carry out financial business, from the three aspects of the financial system innovation, the innovation of financial products, financial innovation, and summarizes the Minsheng Bank Ningbo branch of the city Small and micro businesses financing in support of the idea strategies, experiences, and put forward the prospects and recommendations, the new small and micro finance business, in order to provide inspiration and reference to other financial institutions, to help Small and micro businesses out of the financing difficulties, and promote the healthy development of Small and micro businesses broaden thinking, contribute the meager strength.