xx商业银行小微企业的融资业务广西市场拓展问题的研究

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1、RESEARCHONSMALLANDMICROENTERPRlSES(SMES)FINANC川GBUSINESSEXPANSIONINCOMMERCI^L队NKSlNTHEGUANGXl叭RKETABSTRACTAlong州mthedevelopmentofthemarketeconomy,smallmadmicroenterprises(SME)，act∞mimportantelementinpromotionofnationaleconomy,diversificationoftheeconomybody,maintenanceof

2、socialstabilityandremissionoftheemploymentpressure．ThehealthydevelopmentoftheSMEscontributessignifieandytothesustainabledevelopmentofthemarketeconomyinChinaHowever,theparadoxbetweenthehugedemmadoffinancingandthedifficultiesinSMEs，whichistheresultofthecharacteristicsofthe

3、SMEsandtheriskpreferencesofthecommercialbanks,isthegreatestbottleneckrestrictioninthedevelopmentofSMEsTheissueofSMEsfinancinginthecommercialbanksisthehotspotinthefinancingresearchTheoretically,drivenbytheideasofscopeeconomy,marketsegmentationandcomparativeadvantage，comme

4、rcialbankshavenoticedthefieldofSMEsfinancingandstartedtoproviderelatedservicesWeneedtobeawarethatthoseresearchfindingsandadvancedexperiencesinexpandmgtheSMEsfinancingbusinessincommercialbanksaremostlyrootedinforeigneconomicenvironment,whichbearsnotmuchcomparabilitytothee

5、mergingSMEsfinancinginChina．ThesefindingsandexperiencecannotbeindiscriminatelyimitatedinChinaThemethodologiesofcomparativeanalysisandcaseanalysisareadoptedinthisthesis．BasedonthereportofSMEsfinancingbusinessservicesinGuangxi，eondueledbyXXbank，theauthorwilldiginandrevealt

6、heobstaclesinconductingtheSMEsfinancing，includingresearchesoncommercialbanksperse，theinternalenvironmentsofSMEsandfinancialmarketenvironmentConclusionsandsuggestionsonimprovingtheSMEsfinancingincommercialbankswillbepml)0sedbycombiningtherelatedtheorya∞dreseafdlcsonexisti

7、ngissues．c∞bcsandcountermeasuresTheseconclusionsandsuggestionscouldbereferencesintheexpmasionofSMEsfinancingservicesincommercialbanks，especiallyinGuangxi，thedevelopmentofSMEs，andtheestablishmentofrelatedlawsandregulationsKEyWORDS：smallandmicroenterprises(SMEs)f'mancing,c

8、ommercialbanks，Guangximarket目录摘要．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．1^BS嘣c