小企业需要怎样的金融服务——以义乌箱包行业为例

小企业金融服务是长期探讨和研究的话题,但很少有人会从小企业具体运行的业务模式和资金流向去分析探究其资金需求的特点,本文以具有准入门槛低、劳动就业容量大、生产涉及面广等特征的义乌的箱包行业入手去分析小企业的金融服务需求,先分析了箱包行业的业务模式、再分析箱包行业的资金特征和对应的资金需求,再是银行可根据这些资金需求开展哪些业务创新,最后得出银行做好小企业金融服务的关键点是:寻求可靠的风险控制点,把可能产生的各类风险通过合理、规范的设计进行转移消除这个结论。

The financial service for Small size enterprises is a long-term topic, but few people will analyze it on a Specific business pattern and money flow. This essay start from the analysis on the business model,fund features and fund demand of the bag-case industry in Yiwu city, then it adduced what kind of innovation can be developed from these conclusions, in the end, this essay generalizes the key point of optimize the financial services for Small size enterprises is to find a reliable risk control criterion to eliminate or transfer all kinds of possible risk of credit funds.