The Research On Small And Micro Business Financial Services Of Huangshan City

Small and micro business has always been difficult to get the economical and efficient financial services for their own and external reasons.The service efficiency has also been discussed frequently.Based on this,on the one hand,the government has introduced policies and put positive mechanisms to offer guidance and create space for small and micro business.On the other hand,financial institution serves small and micro business service as a strategic choice for profit,market and transformation.City and county is the area with small and micro business most-creating.and fastest-growing.In limited area,small and micro business has similar development characteristics and development needs and type of financial institution is relatively stable in a longer period of time.Small and micro business demands for financial services mainly appeal to securing bank financing.So service ability and efficiency of banks determines small and micro business financial services development level because its leading role in the region.The quality is mainly to see whether Small and micro business will meet the effective demand,whether banks will get healthy development and raise profit.The numbers of small grow into lager and high-quality businesses also are the measurements.Meanwhile the help from banking regulatory commission and other relevant departments is also essential.Based on the research of small and micro business financial services of HuangShan City,the paper discusses questions from services demand and supply side.It focus on topics of small and micro business existence,development,finance and the suppliers actions at the current situation based on regional studies,writer sums up the problems and puts forward the feasible solutions considering state guiding and local conditions.The goal is to mitigate problems of hard-to-get funds and blocked channels,increase the quality of service ability and coverage.And hope it may be used for reference by certain similar region.At present,our practical work has made a great progress through the concerted efforts of the parties concerned.Acting as the direct services,banks have set up specialized institutions that improve access to financial services,launched products that improve selectivity and suitable rate.The relevant regulatory department is also embodied in its indirect service function.Financial services is proceeding with economy has shown positive signs and small and micro business demand returning in recent time.However,in the process of providing financial services,some commercial banks especially the basic-level banks do not change the service attitude,allocate sufficient resources,optimize processes,take risk control measures.There are some issues that need to be resolved such as bad attitude,weakened incentive,inefficiency and higher risk.Weaker policies,coordination and guiding have show increasingly.There are gaps between actual and expected effect,supply and demand.Given the problems above,this article integrates with the present financial service,proposes some improving suggestions.It is suggested that financial institution should perfect organizational structure,follow latest policy,clear target customer,identify effective requirements and advance risk management.Further bring into play its advantages and initiatives in aspects and so on service attitudes,motivation,approach,efficiency and follow-up.refinancing.In order to effectively play its due role,the relevant regulatory departments also need strengthen co-movement,establish rules,support policies to create the environment.The key factor that makes small and micro business survive and develop is strengthening self-construction constantly.The main adopted ways should be:establishing a sound internal control system,managing credit,focusing on main business.