The Research On Small Businesses Credit Of City Commercial Banks

At this stage, small and micro enterprises have become an important pillar of our national life. However, widespread social, economic, political and environmental factors, severely restricted the vitality of small and micro enterprises. The most serious problem is the financing difficulties of small and micro enterprises. The most elaborate researches the causes of difficulties in financing small and micro enterprises, as well as a variety of other ways to solve their financing problems roundabout, and the lack of the most important ways to explore for the financing of small and micro enterprises specific practices of commercial bank loans.According to the present situation of China's commercial banks to small and micro enterprise, including product system, business process management, and risk control; and analysis of China's Small and micro businesses financing channels. Summed up five problems to be solved in financing of small and micro enterprises: such as lack of form of loan guarantees; most small businesses lack collateral; the cost of small and micro enterprises loans is high, while the bank consolidated income is low; mortgage registration department long waiting period, resulting in long-term loans, unable to meet the needs of small and micro enterprises of "short, frequent, urgent"; traditional organizational structure of bank did not suit to the development of small and micro-business. In this regard, we propose a model of innovation through commercial bank credit to solve the financing problems of small and micro enterprises:1, by broadening the charge of types, reducing the bank credit threshold, so that more small and micro enterprises to obtain financing; 2, the development of additional concessions business credit, small and micro enterprises to reduce high financing costs, as well as commercial banks risk costs, reduced adverse selection in financial markets so that banks and mutual benefit; 3, phased introduction of loan guarantees to shorten the waiting period, improve bank efficiency; addition, combined adjusted bank organizational structure, as well as to seek political differentiation credit monitoring these specific measures to solve practical problems, open up new ideas financing small and micro enterprises.