破解小微企业融资难的对策-研究——以c银行为例

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1、AccordingtoChina’Scurrenteconomicbackground，thebankingfinancialinstitutionsarethemainstayofthefinancialsystem．Theyareobligatedtoservesmallandmicroenterprises．Basedonthestudyofsmallmicroenterprisefinancingdifficulty,itisfurtherillustratedthatCbank’Sservicestosmallmi

2、croenterprisesarenecessary．ThroughmeticulousresearchoftheCBank’Sservicetosmallmicroenterprise，theauthorfoundthatintheinstitutions，systemconstruction，smallmicroenterprisecreditapprovalprocessandfinancialproductSandSOon，thebankhascarriedoutvariousaspectsofinnovation．

3、Forexample，withthehelpoftheIntemet，thewholeoperationisinformationized，whichsavesthetimeofexaminationandapprovalandimprovestheefficiencygreatly．Itispraisedbynumerouscustomers．Atlast，theadvantageofCbank’Sserviceschemetosmallandmicroenterpriseisexpoundeduponthroughcas

4、eanalysis．DespiteCBank’Sinnovationinitsservicetosmallandmicroenterprises，theinnovativeschemesmaybenoteffectiveasexpected，duetolimitationsintheprocessofimplyingtheseschemes．Studieshavefoundthatintheprocessofservingthesmallandmicroenterprises，fourmainproblemsexistasf

5、ollowing：(1)asymmetricinformationhasnotbeenfundamentallysolved；(2)theimplementationofinnovationguaranteemeanshasbeentrapped；(3)financingcostsishigh，mostofthesmallmicroenterprisesarerejected；(4)bank’Sintemalfactorsaffectinnovativesolutions．Chinaisstillintheprelimina

6、ryexplorationstageinsolvingthesmallmicroenterprisefinancingproblem，atthesametime，CBank，asalargestate-ownedcommercialbank，alsoinevitablyexistssuchphenomenonasinadequateexperienceintermsofservingsmallmicroenterprise．Itisnecessarytodrawlessonsfromhomeandabroadinordert

7、otaketheiressence．Therefore，inordertofindasolutiontotheCBank’Smajorproblems，thisthesismainlystudiedthedomesticandforeignadvancedexperience，including：(1)referringtotheforeignexperience，toenhanceborrowingpossibility,thisarticleselectsKoreaasobject；whichisatthesamedev

8、elopmentstagewithChina(2)referringthedomesticbanks’experience，heretheauthorselectedChinaCiticBankasobject，whichisagrowingmatetosmallmicroenterpri