商业银行微小企业贷款业务初探

微小企业数量多,分布广,在活跃经济、方便生活、增加就业等方面发挥了极大的作用,对国民经济的贡献率也在逐年上升。但贷款难的问题长期存在,严重制约了其健康快速发展。近年来,部分商业银行正在探索既能满足微小企业的融资需求,又能使银行利润稳步增长,并与我国国情相适应的微小企业贷款模式。

Small enterprises are widespread and numerous all over China. They are very important in terms of promoting economic activities, increasing job opportunities as well as covenanting our daily-life. We＇ve also witnessed its increasing contribution to GDP in recent years. However, the financing difficulties have been holding them back from achieving a faster development, which is actually a long-term headache of the small enterprises. It is worth noticing that, recently, some commercial banks have started to explore types of loans that both satisfy the financing needs of small enterprises and ensure the growth of bank profits under the context of Chinese national state.