Exploration Of Bank On Assisting Development Of Small And Micro Enterprises With The Investment Bank Thinking

Small and Micro enterprises are very important to improve the quality and efficiency of the national economy ? employment and people's livelihood,can help solve major social contradictions in the new era of unbalanced development,can help support the real economy to fill shortcomings?reduce social financing costs,and can help promote the establishment of a well-off society in an all-round way,are strategic locations for banks to practice innovation,coordination,green,openness,and sharing new development concepts.Communist Party of China and State Council attaches great importance to the development of small and micro enterprises,The 19 th National Congress of the Communist Party of China and the National Economic and Financial Work Conference made strategic arrangements,and introduced many policies to support small and micro enterprises,such as fiscal and tax support and financing promotion.In recent years,China's small and micro enterprises have developed steadily and presented a good trend,but the overall living environment and development status are still at a low level.Investment banking has flourished globally,and its business covers securities capitalization,corporate finance,mergers and acquisitions,funds and venture capital,and has played an important role in the development of the market economy.In the past ten years,China's commercial banks have actively participated in the capital market business.Through the licenses of subsidiaries such as funds and trusts,relying on asset management and inter-bank bond markets,investment banking has achieved rapid development.The investment banking thinking has a relatively mature business and market base.Faced with the shortcomings of small and micro enterprises' financial services and long-term financing difficulties,does commercial banks have the ability and means to use investment banking thinking to help small and micro enterprises to develop healthily?Based on the above reasons,this paper takes commercial banks as the main body and uses investment banking thinking to explore ideas and paths to help small and micro enterprises develop.In the first chapter,based on the analysis of the main types and characteristics of investment banking,this paper defines the concept of investment banking thinking by combing the research situation of investment banking thinking.The second chapter analyzes the lack of situation and the reasons for the bank's investment banking thinking in small and micro enterprise financial services based on the currentdevelopment status of small and micro enterprises.The third chapter,from the perspective of banks,governments and small and micro enterprises,discusses how to use investment banking thinking to help the development of small and micro enterprises,and proposes that banks should play a major role in the development of strategic planning for small and micro enterprises.Integrate all-market financial products and build a financial service platform;the government should play a role in supporting the support of the force,optimize the financial service incentive mechanism for small and micro enterprises,and expand the scope of fiscal and tax incentives;small and micro enterprises are the foundation and should be actively integrated into banking financial services.The fourth chapter,from the combination of stock and debt financing products,platform financing products,financial technology products and financial inter-bank financial products,analyzes the definition,advantages and market conditions of financial products developed by banks using investment banking thinking to help small and micro enterprises develop.The fifth chapter analyzes the case of MS bank supply chain financial asset securitization and the case of TL Bank small and micro enterprise loan credit asset securitization to support small and micro enterprises.Studies have shown that banks have the qualifications to use investment banking thinking to help small and micro enterprises to develop,and have the ability to innovate and develop financial products to meet the differential financial needs of small and micro enterprises at all stages.At the same time,banks use investment banking thinking to help small and micro enterprises to develop,involving many areas where non-bank traditions are good at business.Banks need to develop top-down strategic plans for small and micro enterprises,improve internal and external linkage mechanisms,and fully mobilize the resources of entire financial market.The government regulatory authorities need to further play the role of support,optimize the financial supervision and evaluation policies of small and micro enterprises;also need small and micro enterprises to actively participate in the financial market and establish a good relationship among banks,government and enterprises.