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小微企业是推动我国国民经济增长和促进社会和谐发展的重要力量,它在促进社会经济发展,缓解社会就业压力、激励商业模式创新方面有着至关重要的作用。在我国的金融结构中,信贷融资是扶持我国小微企业发展的重要力量,它对促进我国社会主义市场经济健康有序发展有着深远的影响和意义。然而,就目前小微企业在通过金融机构信贷方面仍普遍存在融资困难的现象,阻滞了小微企业在社会主义市场经济下快速发展的步伐,基于此,本文就针对我国商业银行的小微信贷服务的现状及存在的主要问题进行了分析与探讨,并提出了相关有益加强商业银行对小微信贷服务质量的方法和建议。
Small and micro enterprises (SMEs) are important forces that promote the growth of our national economy and promote the harmonious development of society. They play a crucial role in promoting social and economic development, easing pressure on social employment and stimulating business model innovation. In our country’s financial structure, credit financing is an important force that supports the development of small and micro enterprises in our country. It has a profound impact and significance on promoting the healthy and orderly development of China’s socialist market economy. However, it is still common for small and micro-enterprises to raise funds through financial institutions, which is still a problem of financing difficulties. This has hindered the rapid development of small and micro-enterprises in the socialist market economy. Based on this, The status quo of credit services and the main problems that exist, and put forward some methods and suggestions on how to improve the service quality of commercial banks.