A Research On ICBC LC Branch Small And Micro-sized Enterprises' Finance Business

With the rapid development of economy,Small and Micro-sized Enterprises has played a more and more important role.Government also has more and more attention to the development of small micro enterprises and formulated corresponding policies to promote the development of small micro enterprises,which greatly promoting the development of small enterprises.Banks face increasingly fierce competition at present.Large and medium-sized enterprises' financial market has been saturated,so small micro financial business into Banks' competition focus.From the perspective of the bank,the plight of small micro financial business development and puts forward relevant countermeasures has a certain practical significance.Based on ICBC LC branch as an example,the thesis analyzes the difficulties and countermeasures of the small micro enterprise financial business.The thesis by means of using the "Macmillan gap" theory,information asymmetry theory,credit rationing theory,growth cycle theory,STP theory and the combination of theory and empirical analysis methods,analyses the small and micro-sized enterprises' finance business.This thesis briefly analyzes the LC area small micro enterprise,puts SWOT theory on ICBC LC branch,and analyzes the ICBC LC branch current development of small micro financial business.From the perspective of enterprise itself,bank and the external environment thoroughly discusses the reason of difficulty of the current small micro enterprise financial business development,and attempts to put forward the solution.ICBC LC branch can make better development of small micro enterprise financial business.This thesis has a certain practical value.