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融资难的问题一直制约着小微企业的发展,近几年,各大银行纷纷提出发展小微企业贷款业务,一方面是小微企业是我国经济的重要组成部分,发展小微企业贷款业务能为企业带来巨额的利润,另一当面,还能为企业树立良好的社会形象。但是,小微企业贷款有着数额小,笔数多,风险大等特点,发展小微企业贷款银行不仅需要投入更多的人力物力,还面临较高的违约风险。如何在银行控制风险、增加收益的同时,小微企业获得足额的贷款是本文的研究目的。
The problem of financing difficulties has always restricted the development of small and micro enterprises. In recent years, major banks have proposed the development of small and micro enterprise loan businesses. On the one hand, small and micro enterprises are an important part of China’s economy and the development of small and micro enterprise loan businesses Bring huge profits for the enterprise, the other side, but also for enterprises to establish a good social image. However, small and micro enterprise loans have the characteristics of small amount, large amount of pen and large risks. Developing small and micro enterprise loan banks not only needs to invest more manpower and resources, but also faces a higher risk of default. How to control the risks and increase the profits of banks at the same time, it is the purpose of this article that small and micro-enterprises can get enough loans.