商业银行小微企业贷款业务发展中存在的问题及对策分析

AbstractChina's small and micro businesses have undergone rapid development from germination to now and become an important part of the market economy,playing an important role in stabilizing social employment,improving people's lives and promotingthe development of enterprise innovation and entrepreneurship.However,with the change of China's market economy environment and the rapid development of information technology today,China's small and micro enterprises are faced with the gradual increase in production and operation costs and increasingly prominent financing problems in the process of development.In order to make the healthy development of smalland micro enterprises,the society must attach great importance to them.To effectivelyanalyze and solve the credit difficulties faced by small and micro businesses,variouscountries have issued corresponding policies,but many of them are mere formality,making financing for small and micro businesses a worldwide problem.In this regard,the state council and the government of China have issued a series of relevant policy management measures aimed at protecting the health and sustainability of small and micro businesses and solving the financing difficulties of small and micro businesses.But our country commercial bank to small micro enterprise loan business still has someproblems,hinder the normal development of small micro enterprises,efforts to resolve commercial Banks on the problems existing in the small micro enterprise loan business is the effective way to solve the problem of small micro enterprise financing,an effective way to solve the problem can be found,is very beneficial to commercial Banks and small micro enterprise.Key words:Small micro enterprise;Commercial Banks;Financing loans;Financing difficulties;Financing your