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中国的中小企特别是小微企业在我国经济社会的发展中居于重要的地位,他们在产业升级,结构调整,规模扩张过程中,对银行的融资需求相当突出,发展小微企业是商业银行在资本约束不断扩大的情况下,实现贷款收益最大化的重要工具。发展小微企业的业务已经成为我国商业银行的共同目标,但是小微企业由于自身的特点和性质给银行的管理带来了一定的难度。
China’s small and medium-sized enterprises (SMEs), especially small and micro enterprises, occupy an important position in the economic and social development of our country. In the process of industrial upgrading, structural adjustment and scale expansion, the demand for financing of banks is quite prominent. The development of small and micro-enterprises Capital constraints continue to expand circumstances, to maximize the benefits of loans an important tool. The development of the business of small and micro enterprises has become the common goal of commercial banks in our country, but the small and micro enterprises bring some difficulties to the management of the banks due to their own characteristics and nature.