农村合作金融机构小微企业的融资服务的研究

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1、AbstractThesmallbusinessandminiatureenterpriseisanationaleconomy’Smostactivepart，datashowedthat，totheendof2011，thenationalindustryandcommerceregistrationofthesmallenterpriseandminiatureenterprisemorethan1l00households．accountingfor99％ofthetotalnumberofallregisteredenterprise．smallbusiness

2、esandminiatureenterprisetotalindustrialoutput，salesincome，realizetheprofittaxamountaccountedfor60％．57％and40％；Smallbusinessandthecirculationfieldminiatureenterpriseaccountingformorethan90％ofthenationalretailoutlets，smallbusinessesandminiatureenterpriseprovides75％ofthetownaboutemploymentopp

3、ortunities，andinrecentyearsinthetotalexportof60％aboveiSsmallenterpriseandminiatureenterprisetoprovide．Factsprove，smallbusinessesandminiatureenterpriseinthenationaleconomyplaysanimportantrole．ThestandingcommitteeofstatecouncilofthePeople’SRepublicofChina．pointsoutthatthesmallbusinessandmin

4、iatureenterpriseiStoprovidejobsofthemainchannel，isthemainplatformofentrepreneurs，isanimportantforceoftechnologyandinnovation，supportsmallenterpriseandminiatureenterprisedevelopment，andtopromoteeconomicdevelopmenthasimportantstrategicsignificance．Inrecentyears．Chinesesmallenterpriseandmini

5、atureenterprisedevelopedrapidly,buttherearealsoa10tofdimcultiesinthedevelopmentof,amongthem，thefinancingisaprominentproblem．Since2005，TheChinabankingregulatorycommission(CBRC)underthesponsorship，state—ownedBanksandstockbank，localsmallandmedium—sizedBankssteppedupsmallenterpriseandminiatur

6、eenterprise’Ssupport，andmadeoutstandingachievements．Ruralcooperativefinancialinstitutionsismainlyforthelocal，countycommunitylegalpersonregisteredfinancialinstitutions，themarket10calization．thedecision—makingchaincharacteristicsandsmallenterpriseshortwithminiatureenterprisefinancingtoadapt

7、thedemandcharacteristic，thispaperdiscussestheempiricalcaseserviceenterpriseandsmallminiatureenterpriseofthespecificmethodforsolvingthesmallenterpriseandminiatureenterprisefinancingdifficulttoincreasetheeffectiveway．Keywords．RCC，Smallandmicro—enterprisefinancing，rese