Research On The Supply Of Small-Micro Credit Of Commercial Banks In Fujian Province

The nineteenth report of the Communist Party of China points out that the focus of the economy should be on the real economy for the construction of a modern economic system.At present,as one of the largest number of market main body in Fujian province,small-micro enterprises have played an irreplaceable role in the economic growth in expanding employment and other fields,it is an important builder of modern economic system.Commercial Banks are an important channel for small-micro enterprises to carry out external financing,while small-micro credit is an important force to help small-micro enterprises grow and grow.However,due to the various factors such as the increase of human cost,the problems of financing of small-micro enterprises have always been outstanding.Therefore,it is urgent to study the supply of the small-micro credit of commercial banks in Fujian province,which has important theoretical and practical significance.First of all,combined with the actual development situation of small-micro enterprises in Fujian province,the study of this paper found that the level of small and micro financial services and supervision has been continuously improved,increasingly rich of credit products of commercial banks are major change characteristics of the supply of small-micro credit business in Fujian province.The main problems of the supply of current small-micro credit of commercial banks in Fujian province existing in three aspects,including the imperfect of small-micro credit supply mechanism,the weak quality problems of small-micro enterprises,and the phenomenon of product homogeneity.Secondly,based on the theory of the theory of corporate finance,the theory of credit rationing and the theory of relation lending,this article divided the influence factors of the supply of small-micro credit business in Fujian province into three aspects,including their own factors,economic factors and social factors.Take 25 commercial banks of Fujian province as an example,this paper select the size of the Banks,asset quality and some other representative indexes such as level of liquidity and uses the stepwise regression analysis,ADF unit root test,cointegration test as measurement methods,and make an empirical study on the factors of the supply of small-micro credit of commercial banks,the results showed that the increase of the number of employees,deposit-loan ratio,capital adequacy ratio and the number of staff training plays a significantly positive role in promoting the supply of small-micro credit of commercial banks,while benchmark lending rates,bank assets,financial institutions and enterprises in financing in the securities market which is not conducive to it.Finally,combined with the above theoretical analysis and empirical research results,we put forward specific policy recommendations from three aspects,including a sound long-term effective mechanism of small-micro credit of commercial banks,accelerate the construction of economic and financial system and improve the system of social supporting service.