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随着小微企业的发展以及国家对促进小微企业发展政策的不断完善,小微企业迎来了发展的春天,而小微企业融资难、融资贵的问题仍然困扰着小微企业的投资与发展,资金供给与需求矛盾依然突出。如何创新商业银行的信贷政策,优化针对小微企业融资的模式,对促进小微企业发展,提升商业银行的效益,降低其信贷风险有重要的实践意义。
With the development of small and micro enterprises and the continuous improvement of the state policies to promote the development of small and micro enterprises, small and micro enterprises ushered in the spring of development. However, the problems of small and micro enterprises financing and financing are still troubling the investment of small and micro enterprises Development, funding and demand contradictions remain outstanding. How to innovate the credit policies of commercial banks and optimize the financing modes for small and micro enterprises is of important practical significance to promote the development of small and micro enterprises, enhance the efficiency of commercial banks and reduce their credit risk.