Strategic Choice Of Small And Micro Financial Services For Small And Medium Sized Commercial Banks

In recent years,the CPC central committee and state council attaches great importance to the small and micro enterprise development,a series of supporting policies and measures have been carried out.But in the current macroeconomic environment,the problem of insufficient liquidity in micro enterprise is more outstanding.Small and medium-sized commercial Banks,which has a flexible management,short decision-making chain,are close to the edge of the market,and adapt to the small micro enterprise credit demand.As the mainstay of local small micro enterprise development supporter,Small and medium-sized commercial Banks play an important role in solving the financing problem of small micro enterprise.However,in the increasingly fierce competition in the financial situation at present,small and medium-sized small micro enterprise financial services of commercial Banks are also facing the development bottleneck and difficulty.In this paper,the author combine the reality of the development in our country small and medium-sized commercial Banks,and analyze the strengths,weaknesses,opportunities and challenges of small and medium-sized commercial Banks through SWOT method.The author also,put forward the strategy and relevant suggestionsfor small and medium-sized commercial Banks with case analysis.this paper aimed to help the small and medium-sized commercial Banks to improve the core competitiveness and find a feasible path to better serve the small micro enterprises.