国有商业银行经营策略转型和小企业融资问题研究

Research on State-owned Commercial Banks Operation Strategy Transition and Small Enterprise Financing Problems

金融危机爆发以来,小企业再度成为经济发展的关注热点,尤其是众多的小企业面临融资困难甚至是资金链断裂等严重问题。本文以工商银行聊城分行(以下简称为"聊城工行")为样本,考察其发展小企业融资的经验、做法和效果,分析国有商业银行在小企业融资中所独具的优势及存在的问题与障碍,得出大型金融机构可以发展小企业金融业务的相关结论。

After the financial crisis, small enterprise＇ s problems, especially the financing cllttlCUltles ana me rupture o~ cash chain become the main economic focus again. This paper takes ICBC as the example to analyze how to use the SOCB＇s （state-owned commercial bank） advantages to help the small enterprise pass through the financing difficulties. Based on this theory we find out that the SOCB is the nucleus to conquer small enterprises＇financial difficulties. In this paper we also give suggestions for SOCD to develop relevant businesses.