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1、AbstractAbstractInrecentyears,underthebackgroundofChina'songoingeconomicstructuraladjustmentandthelargecommercialbanks'ownrestructuringofstrategy,largebanksgivemoreconcernforsmallmicro-enterprises,afterseveralyears'development,inaccordingtotherequirementsofStateandtheirown,thelargeb
2、ankshavesetupthecorrespondingsectorsandrelatedproducts;Duetothesmallmicro-businessesisanewchallengeforthelargebanks,andtheycan’tlearnmuchexperiencefromtheirownretailbusinessthattheyjustdevelopforseveralyearsandthesetwosidescannotgetthestatusofcoordinationandachieveawin-winsituation.
3、Therefore,theresearchoncountermeasuresoflargebankstodevelopsmallermicro-enterprisesandenableitgetonthesustainableroadhasimportantsignificanceforlargebanksthemselvesaswellasChina'sadjustmentineconomicstructural.ThispaperarguesthatthefinancingproblemfacedbysmallandmicroenterprisesinCh
4、inaisdifferentfromothercountriesandhasitsowncharacteristics.Inthisissue,thegovernment,smallandmicroenterprises,banks,otherfinancialinstitutionshavetheirownproblems.Anyomissioninanyaspectwillexacerbatedifficultiesontheproblemfacedbysmallandmicroenterprises,thecausescanbeattributedtot
5、helackofoverallsystemsupplytosmallandmicroenterprises.Againsttheproblemsfacedbylargebankswhendoingbusinessforsmallandmicroenterprises,suchas:effortisnotenough,creditresourceisnotbalanced,modeselectionisnotclearandlackofeffectiveprofessionteam,effectiveriskcontrolcapability,etc.Onthe
6、basisoflearningexperiencefromtheWellsFargo,StandardChartered,HSBCandotherbanks,wenotonlypointoutlargebanksshouldfocusonsomeonesandincreasethesupportforthemfromthemacroangles;butalsopointoutlargebanksshouldimprovetheirorganizationalstructure,promoteproductinnovationandotherspecificme
7、asures.KeywordsLargeBanksSmallandMicroEnterprises“Softinformation”StrategicandTacticalCountermeasuresII目录目录第1章绪论.....................................................................11.1研究背景和意义.....................................................11.2研究现状..............................
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