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1、摘要鉴。试图通过对宏观层面上我国制定的支持小微企业信贷政策作出调整，提出更适合小微企业发展、更具针对性和可操作性的信贷政策。关键词：小微企业；信贷政策；银行；II英文摘要AbstractAccordingtoareportofthestateadministrationforindustryandcommerceanalysis,bytheendof2013,smallmicroenterpriseinthemarketmainbodyofregisteredaccountedfor94.15%.Sma
2、llmicroenterpriseplaysamainroleinpromotingeconomicstabilityinChina,theindustrialstructureadjustment,andtechnologicalinnovation,expandingemployment,etc.Althoughsmallmicroenterpriseslargelycontributedtotheeconomicdevelopmentofourcountry,thefinancingdifficu
3、ltproblemisalwaysproblemrestrictingthedevelopmentofsmallenterprisesinourcountry.China'scurrenttotalcreditisn’tpoor,butespeciallysmallmicroenterprisefinancingisnoteasy.Underthe"newnormal",economytransformfromtotaleasingextensivestimulationtototalstablestr
4、uctureoptimizationtransformation,thecreditpolicyshouldalsoplayitsroleinoptimizingthestructure,andguidethekeycreditresourcestosmallmicroenterprise.Throughperfectingsmallmicroenterprisecreditpolicy,tofundamentallysolvesmallmicroenterprisefinancingdifficult
5、,eliminatethebarrierrestrictingthedevelopmentofsmallmicroenterprises,supportsmallmicroenterprisefastdevelopment.Supportsmallmicroenterprisefastdevelopmenthastheveryvitalsignificance,inpromotingthesustainabledevelopmentofeconomyinourcountry.Onthebasisofho
6、rizontalcomparisonbetweensmallmicroenterprisefinancingsystemabroadandcreditmodelandquantitativeanalysisofthecurrentsituationofthecreditpolicyofourcountry,thisarticleanalysisoftheexistingproblems,combinewiththeexperienceforreferenceandputforwardreasonable
7、suggestionstoperfectthesmallmicroenterprisecreditpolicybycomparativeanalysis,qualitativeandcquantitativeanalysis,literatureinduction.Fromthevolumeofcredit,loan,credit,creditpattern,andsoon,thecurrentsmallbusinesscreditpolicyanalysesandresearch.Withrefere
8、ncetoforeignsmallbusinesscreditpoliciesandmodesofoperation,namelytheestablishmentofspecializedIII英文摘要smallmicro-enterprisemanagementmechanism,strengthenthelegalsystem,thefinancingsystem,improvetheloanguaranteesystem,succes
