【摘要】：小微企業(yè)作為市場經(jīng)濟(jì)中最基礎(chǔ)、最廣泛、最活躍的主體,其對(duì)城鎮(zhèn)化發(fā)展的推動(dòng)作用是強(qiáng)大而深厚的。近年來,小微企業(yè)的發(fā)展越來越受到全社會(huì)尤其是銀行業(yè)的密切關(guān)注和高度重視。本文從信息不對(duì)稱理論出發(fā),研究了小微企業(yè)的融資困境,并結(jié)合目前商業(yè)銀行對(duì)小微企業(yè)信貸市場的認(rèn)識(shí),總結(jié)了小微企業(yè)"業(yè)務(wù)零售化、客戶集中化"的特點(diǎn),最后通過討論大型商業(yè)銀行的自身優(yōu)勢(shì),為其如何更好支持小微企業(yè)發(fā)展提出對(duì)策性建議。
[Abstract]:As the most basic, the most extensive and the most active subject in the market economy, small and micro enterprises play a powerful and profound role in promoting the development of urbanization. In recent years, the development of small and micro enterprises has attracted more and more attention from the whole society, especially the banking industry. Based on the theory of asymmetric information, this paper studies the financing dilemma of small and micro enterprises, and summarizes the characteristics of small and micro enterprises'"retail business and customer centralization", combined with the understanding of the credit market of small and micro enterprises by commercial banks at present. Finally, by discussing the advantages of large commercial banks, the author puts forward some suggestions on how to better support the development of small and micro enterprises.
【作者單位】： 中國工商銀行四川省分行沙河支行;
【分類號(hào)】：F832.4;F276.3
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本文編號(hào)：2403500