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随着经济的快速发展,小企业大量涌现出来,这对我国产业升级、改善民生、社会稳定和国家发展具有非常重要的意义。但近年来小企业融资难已成为普遍存在的问题,小企业融资渠道不畅通,再加之受房地产转折性变化的影响,经济下行压力较大,这也使各商业银行收紧了信贷,并出于对自身盈利及风险的考虑,商业银行在信贷业务方面往往会优先考虑大型优质客户,这也进一步加剧了小企业融资难的问题。而且小企业缺乏完善的信用体系,这也使其向银行借款时很难通过,从而制约其自身的发展。文中分析了发展创新小企业信贷业务的必要性,并进一步商业银行小企业信贷业务发展的创新途径进行了具体的阐述。
With the rapid economic development, a large number of small enterprises have emerged. This is of great significance to the upgrading of our industry, improving people’s livelihood, social stability and national development. However, the financing of small enterprises has become a ubiquitous problem in recent years. The financing channels for small enterprises are not smooth. Coupled with the impact of the real estate turning point, the downward pressure on the economy has also caused commercial banks to tighten their credit lines In considering their own profits and risks, commercial banks tend to prioritize large-scale and high-quality customers in terms of credit business. This further aggravates the problem of small-cap financing. Moreover, the lack of a sound credit system for small businesses also makes it difficult for small enterprises to borrow money from banks, thus restricting their own development. The paper analyzes the necessity of developing innovative small business credit business, and further elaborates on the innovative ways of commercial bank small business credit business development.