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自从全球金融危机爆发之后,为了促进中小企业的发展,国家新出台了许多针对小微企业的扶持政策。为了更好的相应国家的号召,我国商业银行业加大了对小微企业的重视程度,为小微企业的发展提供了一定的经济基础。目前,对小微企业的金融风险进行有效控制,是我国银行需要解决的首要问题。文章中主要对小微企业的基本特征以及商业银行小微企业金融服务的现状进行了简单的分析,就如何促进商业银行小微企业金融服务的发展提出了几点建议。
Since the outbreak of the global financial crisis, in order to promote the development of small and medium-sized enterprises, the state has promulgated many new supportive policies for small and micro enterprises. In order to better respond to the call of the corresponding countries, China’s commercial banks have increased their emphasis on small and micro enterprises and provided a certain economic basis for the development of small and micro enterprises. At present, the effective control of the financial risks of small and micro enterprises is the most important issue to be solved by our country’s banks. The article mainly analyzes the basic characteristics of small and micro enterprises and the status quo of financial services for small and micro enterprises in commercial banks, and puts forward some suggestions on how to promote the development of financial services for small and micro enterprises in commercial banks.