Research On The Impact Of Commercial Banks' Microfinance Services On The Growth Of Small And Micro Enterprises

The existence of small and micro enterprises is an inevitable result of economic development as well as an inherent requirement of market competition.It is an important prerequisite for absorbing employment,stimulating market sentiment,promoting economic growth and maintaining market vitality.It is an important pillar of the national economy.However,due to the impact of traditional bank loans and some micro-enterprises,"financing is difficult and financing is expensive" How to improve and enhance the financial services for small and micro enterprises and promote the growth of small and micro enterprises are the key issues in the process of China's economic restructuring and upgrading.In addition,in addition to the financial problems,small and micro enterprises have many problems in terms of capital,finance,management and resources.Commercial banks have professional knowledge of capital,financial management and wealth management operations.They also have a large number of corporate clients,project information resources,The non-capital value added services provided by banks can also meet the growth needs of small and micro enterprises.This paper focuses on the impact of micro-loan services provided by commercial banks for small and micro enterprises on the growth and development of enterprises,and tries to give some suggestions Possible advice for business growth.This article focuses on the growth and growth needs of small and micro enterprises,from the bank's resources,based on the Bank's micro-loan business to support the growth of small and micro enterprise customers,combined with the characteristics of small and micro enterprises,each Analysis of the promotion effect of bank micro-loans on the growth of small and micro-enterprises from the perspectives of capital,management and other resources,and analyzes the shortcomings in the development of the micro-loan business in Bank A Suggest.This paper reviews the research related to the growth of small and micro enterprises,the financing of small and micro enterprises,financial support and the growth of small and micro enterprises.The basic theories of credit rationing,financial inhibition,transaction cost,microfinance and business life cycle are summarized.,Which laid the foundation for the empirical analysis of the growth of small and micro enterprises and the impact of the micro-loan business of Bank A on the growth of small and micro enterprises.Then,this chapter analyzes the characteristics of the growth and credit demand of small and micro enterprises,defines the concepts of small and micro enterprises,analyzes the characteristics of small and micro enterprises,and analyzes the life cycle of small and micro enterprises and the elements needed for their growth by the theory of enterprise life cycle.Small and micro enterprises credit demand characteristics.Then,this paper takes A Bank as the empirical analysis object,focusing on the development history,current situation and trend of the micro-loan business of the bank;analyzes the impact of the bank's micro-loan business on the growth of small and micro enterprises;The loan business can change the thinking of small and micro-entrepreneurs,promote the financial management of enterprises,adjust the corporate capital structure and enhance the credit quality of enterprises.Finally,according to the current micro-loan business carried out by Bank A and its mechanism of promoting the impact on small and micro enterprises,this paper points out the existing problems and puts forward corresponding solutions.