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从十八届三中全会中受益板块主题来看,金融改革受益板块也是其中之一,金融改革中的商业银行和中小企业的供需矛盾与可持续发展问题备受关注。本文从我国商业银行完善中小企业金融服务的角度来阐述问题,试图通过研究我国中小企业的金融服务需求和我国商业银行对中小企业的金融服务供给,来探讨商业银行开拓中小企业金融市场的动因,分析商业银行和中小企业推进金融改革的可行性,最终提出切实可行的对策建议。
From the theme of benefiting plate in the Third Plenary Session of the 18th CPC Central Committee, one of them is also the beneficiary of financial reform. The contradictions between supply and demand and sustainable development in commercial banks and small and medium-sized enterprises in financial reform have drawn much attention. This paper elaborates the problems from the perspective of improving the financial service of SMEs in our country, attempts to explore the motivation of commercial banks to develop the financial markets of SMEs by studying the demand for financial services of SMEs in our country and the financial service provision of SMEs in our country, Analyze the feasibility of commercial banks and SMEs to promote financial reform, and finally put forward feasible countermeasures and suggestions.