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随着我国改革开放的不断深入,以城市为发展核心的市域经济发展逐渐发挥着越来越重要的作用。作为市域经济区域内的广大小微企业对经济发展、就业、税收等各方面有重要贡献。长期以来,尽管各级政府出台了一系列政策措施,辖内的小微企业“融资难、贷款难”问题依然突出。本文就现阶段商业银行如何为市域经济区域内的小微企业提供信贷创新服务展开分析,从操作层面为改善目前小微企业贷款难现象提供建议。
With the constant deepening of China’s reform and opening up, the economic development of the urban area with the city as its core has been playing an increasingly important role. As a large and small micro-enterprise within the municipal economic zone, it has made important contributions to economic development, employment and taxation. For a long time, despite the promulgation of a series of policies and measures by all levels of government, the small and micro enterprises in their jurisdiction are still facing problems of “financing difficulties and difficulties in lending”. This paper analyzes how commercial banks provide credit innovation services to small and micro enterprises in the urban economic area at the present stage, and provides advice on how to improve the current situation of the current small and micro enterprises’ loan difficulties from the operational level.