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商业银行做为地方性金融机构,具有机制灵活、网点多、决策迅速等优势,但与其他金融机构相比,也存在规模小、抗风险能力差等差距,这就影响了商业银行在服务大企业、大集团公司方面取得良好的经营成果。相反,由于它是在原城市信用社的基础上建立发展起来的,对服务中心企业方面有丰富的经验,再结合自身机制灵活,决策迅速的经营特点,决定了商业银行在支持中小企业发展方面会大有作为。一、服务、支持中小企业的必要性首先,中小企业是国民经济的重要组成部分,是推动我国经济发展的一支重要力量。改革开放以来,我国中小企业得到了迅速发展,有力地支持了国民经济的持续快速发展。96年全国共有近800万户工业企业,其中中小企业占95%以上。在90年代以来的经济增长中,工业新增产值的76.6%是由中小企业创造的,1996年全国工业总产值近10万亿元,中小企业占65.6%。由此可见,中小企业在国民经济中的地位和作用越来越显著,最近一个时期国务院出台了一系列支持中小企业发展的新政策,而且十五届四中全
As a local financial institution, commercial banks have the advantages of flexible mechanism, more outlets and quick decision-making. Compared with other financial institutions, commercial banks also have the advantages of small size and poor anti-risk ability, which affects the commercial banks' Enterprises, large group companies have achieved good operating results. On the contrary, since it was established on the basis of the original city credit cooperatives, it has rich experience in service center enterprises, and combined with its own mechanism of flexible and rapid decision-making business characteristics, determines the commercial banks in support of the development of small and medium enterprises will A lot of work. I. The Necessity of Serving and Supporting Small and Medium-sized Enterprises Firstly, small and medium-sized enterprises are an important part of the national economy and an important force for promoting the economic development of our country. Since the reform and opening up, China's small and medium-sized enterprises have witnessed rapid development, effectively supporting the sustained and rapid development of the national economy. In 1996, there were nearly 8 million industrial enterprises in the country, of which over 95% were small and medium-sized enterprises. Of the economic growth since the 1990s, 76.6% of newly added industrial output was created by small and medium-sized enterprises. In 1996, the total industrial output value of China was nearly 10 trillion yuan, while that of small and medium-sized enterprises accounted for 65.6%. This shows that SMEs play an increasingly significant role in the national economy. In the recent period, the State Council has promulgated a series of new policies to support the development of SMEs. In addition, the Fourth Central Committee of the 15th Central Committee of the Communist Party of China