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中小微企业是国民经济和整个社会发展的重要基础,随着中小微企业的快速兴起,其对金融服务的需求也越来越迫切,然而目前我国商业银行对中小微企业的金融服务仍然不够完善。本文从商业银行对中小微企业金融服务中存在的问题进行分析,得出其制约因素来自商业银行、中小微企业自身和政府机构三个方面,最终提出了完善商业银行对中小微企业金融服务的建议和对策。
Small and medium-sized micro-enterprises are the important foundation of the national economy and the development of society as a whole. With the rapid rise of small and medium-sized micro-enterprises, their demand for financial services is also becoming more and more urgent. However, the financial services of small and medium-sized enterprises in our country are still not perfect . This article analyzes the existing problems in the financial services of small, medium and micro-sized enterprises from commercial banks, and draws the conclusion that the restrictive factors come from three aspects: commercial banks, small and medium-sized micro-enterprises themselves and government agencies. Finally, it puts forward to improve the commercial banks’ Suggestions and Countermeasures.