银行对小微企业的金融服务之新模式初探.rar

摘要:随着中国改革开放后，我国经济体制出现了新的变化，由原有的计划经济转为市场经济体制，中国的企业成长将迈入一个新时期，小微企业诞生在这个特殊的时期，它标志着中国企业的新里程碑。随着经济危机的席卷，越来越多的小微企业受到了用工荒、成本上涨、汇率高涨、资金不足等问题，这严重的阻碍了小微企业的发展，使银行的金融服务业变得尤为重要，而银行的小微金融战略也就是当今银行对小微企业的金融服务探究有着重要的意义。本文结合中国民生银行广州分行小微金融战略，结合国内外小微企业的发展特色对小微金融服务业的新模式提出自己的看法，围绕提高小微企业资金流转效率，银行的金融服务方式做出新的探究，对于现有不足之处提出自己的浅见和解决对策。

关键词: 小微企业，商圈金融，服务模式，银企合作

Abstract:With our country reform and open up, the economic structure has changed from planned economy to market economy system. The development of company will step into a new stage, The small businesses were born in this special period, which marked as the milestone of china enterprise. With the development of economic crisis, more and more small companies arise some problems such as labor shortage, cost go up, exchange rate rise, insufficient fund, which blocks the development badly and has an important significance to the exploration of financial service between banks and small companies. This article set Guangzhou branch, CMBC(China Minsheng Banking Corp.Ltd.) as an example, explores and analyses the new model between banks and small companies entirely, according to the small financial strategy to enhance the efficiency of capital flow. It will make an exploration of the financial service type meanwhile give some ideas and methods about the deficiencies.

Key Words：Small enterprise, business district finance, service mode Cooperation between banks and enterprises.

过去总说小微企业贷款难，但是目前市场的现状显示，据笔者观察只有20%到25%的小微企业需要贷款，并且需要贷款的小微企业已经逐渐趋于成熟，所以剩下的那80%左右的小微客户群体更需要的是金融服务，这才是所有的商业银行未来的战场，而这片土地会随着时间的僭越，越来越受到的各大银行的青睐，而商圈作为中国小微企业的主要聚集地会招来各大金融体系攻抢，同业竞争越演愈烈，银行的金融服务的创新进程将会越来越快，这对我国的小微企业是百利而无一害，本文通过对民生银行小微企业的实操运营的体验，结合所学的专业知识，提出培育和营造商圈服务的概念，对促进金融支持小微事业具有积极地建设意义，小微企业的发展不仅可以维持社会的稳定而且必会对我国的经济增长起到举足轻重的推进作用。