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小微企业有着重要的经济和社会作用,然而其生存和发展长期受到融资难的制约。大型商业银行占据我国融资体系的主导地位,如何将其资金有效的配置给小微企业,对于缓解小微企业的融资困境和促进大型商业银行的转型发展有着重要的意义。本文研究了大型商业银行服务小微企业融资的现状,分析了存在的问题,提出了大型商业银行应发挥自身优势,按照技术创新、机制创新、模式创新的路径来改进小微企业融资服务。
Small and micro enterprises have an important economic and social role, however, their survival and development have long been constrained by financing difficulties. Large commercial banks occupy the dominance of China’s financing system. How to effectively allocate their funds to small and micro-enterprises is of great significance for alleviating the financing difficulties of small and micro enterprises and promoting the transformation and development of large-scale commercial banks. This paper studies the current situation of large commercial banks serving small and micro enterprises and analyzes the existing problems. It puts forward that large commercial banks should play their own advantages and improve the financing services for small and micro enterprises in accordance with the path of technological innovation, mechanism innovation and mode innovation.