商业银行小微金融业务的创新和管理——基于小微企业生命周期的-研究

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1、AbstractWiththedependingofsocialisteconomicsystemandfinancialreform，thegooddevelopmentofsmallandmicrobusinessandthes订ongdemandoffinancialservicewhichoccupyimportantpositionsinChina’Snationaleconomy，aretheimportantbasisandtheleadingfactorofChina'seconomicdevelopment．However,becauseof

2、theirownandsomeexternalcauses，itisdifficultforthemtOaccesstofinancialservicesfromcommercialbank．Atpresent,inordertofollowthenationalpolicydirectionandalsotogainprofits，broadenthemarket,bringaboutthetransition，commercialbankhavenoticedthatthemarketdemandfromsmallandmicrobusiness，init

3、iatedeffortstodevelopsmallandmicrofinancialbusiness．IthasbecomeaconcemedissueoftheGovernmentandacademicsthatwhatpoliciesshouldthecommercialbanksO毹rtofinancialservicesforthesmallandmicrobusiness．SmallandmicrobusinessisasmallorganizationwithitsownlifecyclewhichCanbedividedintofourstag

4、es：start-up，growth，maturityanddecline．Generally,thelifecycleofChina’Ssmallandmicro-enterprisesisveryshort，onlyabout3-5years．Inthecourseofprovidingfinancialservicesforsmallandmicrobusiness，it’Snecessaryforcommercialbankstoenhancetheirsmallandmicrofinancebenefits，maintaintheheightofth

5、esmallandmicrobusiness’longtermdevelopment，paycloseattentiontothelifecyclestageofsmallandmicrobusinessandbaseonthefinancialneedsatallstagestobuildafinancingsystemadaptingtosmallandmicrobusinessdevelopment．Thatwilleventuallypromotethesustainabledevelopmentbetweencommercialbanksandsma

6、llandmicrobusiness，achievingawin-winsituation．Inviewoftheabove．thisstIldyisorganicallycombinedthesmallandmicrofinancialbusinessofcommercialbankandthetheoryofenterpriselifecycle．AnditstudiestheinnovationandmanagementofsmallandmicrofinancialbusinessinChina’scommercialbanksaccordingtot

7、heirlifecycles．FirstlythispapergivesanoverviewontheconceptanddevelopmentsituationofChina’Ssmallandmicrobusiness．Thenitputsforwardtotheconceptofsmallandmicrobusinesslifecycle．Withsmallandmicrobusiness’riskanalysis，italsoshowsthefinancialdemandsofsmallandmicrobusinessinalllifecyclesta

8、ges．Onthatbasisandt