商业银行支持小微企业发展的思考——以陕西省为例

The Reflection on the Support of Commercial Banks to the Development of Micro and Small Enterprises——A Case of Shaanxi Province

本文基于商业银行视角,从小微企业发展的总体情况、政策环境和市场特征入手,充分借鉴国内外相关研究的最新成果,在对商业银行支持小微企业的体系设计、金融产品创新分析的基础上,深刻剖析银行业支持小微企业发展普遍存在的问题,提出了支持小微企业的业务管理模式及风险防控思路。

Based on the perspective of commercial banks, from the angle of the overall situation of the development of micro and small enterprises, the policy environment and market characteristics, fully learning from the latest relevant research results at home and abroad, on the basis of analysis of the system design of commercial Banks＇ support to micro and small enterprises and financial product innovation, the paper deeply analyzes the general problems existing in banks＇ support to the development of micro and small enter- prises, and proposes the business management mode of supporting micro and small enterprises and risk prevention and control.