小微企业金融服务创新研究

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1、Abstract，、●●1●1●一●SmaIlandmlCr0buslnessestlnancialSeI弋，lCeinnovationresearchThecurrentsituationofbankingindustryinChinashowthat诵ththeacceleratingoftheinterestratemarketization，interestmarginnarrowssharply；、Ⅳi也thegradualimprovingofthefinancialmarketsystem，thebusinesspatternofconsider

2、ingthebigcustomersasthemainserviceobjectisbrokendownstepbystep；wimthefurtherintensifyingofthe“Financialdisintermediation”．thebargainingpowerbigcustomersincreasesandthecustomerslossisaggravated．Atthesametime，smallandmicroenterprises，thedrivingforceofeconomicdevelopmentinthefuture，pla

3、yanimportantroleofcreatingthrivingmarket，expandingdomesticdemand，absorbingemployment，andpromotingurbanization．Butduetotraditionalconsciousnessideawayandmethodofbankservice，thesmallandmicroenterprisesfinancialmarketbecamethemarketofshallowengagementandinadequatecompetitioninsteadofth

4、emarketwhichisfullofactiverealfinancialdemandandbigbusinessopportunities．Thuschangingthetraditionalmanagementmode．turningthetargetcustomers舶mbigtosmallandmicroenterprises，openingupthenewbusinessbreakthroughandgrowthpoillt，andstarting谢吐lmeetingcustomers’diversifiedfinancialneedstomak

5、ethenecessarycreditculturalrevolution，aswellasproductdevelopment，processdesignandoperationmodeadjustment，isthekeyofthedevelopmentofthecurrentcommercialbanks．Thisarticletakesthecombinedresearchmethodoftheoryandempiricalanalysis，byanalyzingthecharacteristics，thefinancingway,andtheloan

6、statusofsmallandmicroenterprises，aswellasthecurrentsituationofthecommercialbanksproddingfinancialservicesandthefactorsofrestrictingthefinancialserviceinnovationofs．mallandmicroenterprises，toillustratethefeasibilityandthenecessityofbusinessdevelopmentofsmallandmicroenterprises．Onthis

7、basis，thisarticlestudiesthemotivationandwaysofthesmallandmicroenterprisesfinancialserviceinnovation，includingthereorientationoffinancialinstitutionsrole，theinnovationofserviceconcept，theinnovationofproductdevelopmentandservice，theimprovementofstaffquality,andthechangeofserviceproces

8、s．Finally,according