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小微企业作为市场经济中最基础、最广泛、最活跃的主体,其对城镇化发展的推动作用是强大而深厚的。近年来,小微企业的发展越来越受到全社会尤其是银行业的密切关注和高度重视。本文从信息不对称理论出发,研究了小微企业的融资困境,并结合目前商业银行对小微企业信贷市场的认识,总结了小微企业“业务零售化、客户集中化”的特点,最后通过讨论大型商业银行的自身优势,为其如何更好支持小微企业发展提出对策性建议。
As the most basic, the most extensive and the most active subject in the market economy, small and micro enterprises are powerful and profound in promoting the urbanization. In recent years, the development of small and micro enterprises has drawn more and more attention and attention from the whole society, especially the banking industry. Based on the information asymmetry theory, this paper studies the financing predicament of small and micro enterprises, combined with the current commercial banks’ understanding of the credit market of small and micro enterprises, summarizes the characteristics of small and micro enterprises "retail, customer concentration Finally, by discussing the advantages of large commercial banks, we put forward countermeasures for how to better support the development of small and micro enterprises.