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1、商业银行支持小微企业融资问题研究——以中国建设银行蚌埠分行为例ABSTRACTForalongtime,smallandmicroenterprisesmadegreatcontributionstoourcountryeconomy.Insolvingtheemployment,smallandmicroenterprisesabsorbalargenumberofruralsurpluslabor.Intermsofpromotingeconomicsystemreform,smallandmicroenterprisehasstrongflexibility,ise
2、asytoadapttomarketchanges,andhasplayedapositiveroletoourcountryeconomicsystemreform.However,smallandmicroenterprisesinthedevelopmentofmanyaspectshasbeenfacedwiththeproblemofinsufficientfunds.So,smallandmicroenterprise’sfinancingdifficultiesbecomeaproblemtobesolvedinourcountry.Thepurposeof
3、thisarticleistoanalyzetheproblemsofthecommercialBanksintermsofsupportforsmallandmicroenterprisefinancing,withChinaconstructionbankBengbubranchasanexample,andputforwardthefeasiblecountermeasure,toachievethecommercialBanks’long-termstrategicgoalsfortheloantosupportsmallmicroenterprisefinanc
4、ing.Thefirstpartofthisthepapertellsthethesisresearchbackground,purpose,researchstatusathomeandabroad,researchcontent,thepaper'sinnovativeandinsufficient;Thesecondpartpresentstherelatedtheoryofcommercialbankstosupportthesmallmicroenterprisefinancing,anduseitasthebasisforthethesis.Fromthebu
5、sinessoverview,businesstypesandbusinessinnovationangle,thethirdpartofthepaperanalyzethepresentsituationofChinaconstructionbankBengbubranch’ssmallandmicroenterprisefinancing;SubsequentlythepapersumsuptheChinaconstructionbankBengbubranchofsmallandmicroenterprisebusinessproblemsfromtheChinac
6、onstructionbankBengbubranchsmallmicroenterprisebusinessmanagementdefects,hardandfastrulesandservicequalitypointofview.Thensuchasbarrierstoentry,mortgageinterestratepricingregulationresearchiscarriedout,toanalyzetheinternalfactorscausedbythebank;AfterclearlyresearchingChinaconstructionbank
7、Bengbubranch’sstatusandexistingproblems,thefifthpartofthethesisborrowsthesuccessfulexperienceofdomesticandforeigncommercialbanks,andcomparesthemtoanalyzetheapplicabilityinourcountry;Thesixthpart,onthebasisofBengbubranch’spresentsituationandexistingproblems,combining
