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Abstract
In order to solve the current financing-difficulty issue for small, medium and micro-sized enterprises, in the “ two sessions ” of 2021, government has released various favoring policies regards the development of small-sized enterprises, and predictably, in the future small, medium and micro-sized enterprises could combine with more and more policy advantages to achieve sustainable progress. As local financial institution, city commercial banks as well undertakes the responsibility of providing financial supports for small, medium and micro-sized enterprises and laying out the fundamental basis for local economy. This article will initiate from functions of our national city commercial banks in financing for small, medium and micro-sized enterprises, then respectively analyse the current situation of both small, medium and micro-sized enterprises financing and city commercial banks, bring up challenges that city commercial banks confront in the progress of business of financing for small, medium and micro-sized enterprises, and offer suggestions concerning promoting our national city commercial banks’ financing business and measures to deal with existing issues. At the end, based upon the development orientation of city commercial banks, provide optional measures aimed to ameliorate the financing-difficulty issue of our national small, medium and micro-sized enterprises.
Highlights
As regional financial institution, regional bank, city commercial bank is of the same nature compared with other commercial bank, while the difference is that the former only serves for the specific locality where it is
The development of economy is the fundamental base of finance, for the local economy prospers well, it exerts a positive influence upon City Commercial Banks, bringing greater financial support to the progress of small, medium and micro-sized enterprises
In order to better play its role in promoting the regional economy, the State Council agreed to establish a city commercial bank, so that the city has a financial institution suitable for its own urban economic development
Summary
As regional financial institution , regional bank , city commercial bank is of the same nature compared with other commercial bank , while the difference is that the former only serves for the specific locality where it is. For there are numerous of regional private small , medium and micro-sized enterprises , they formed a major contribution to national economy and advance of society. The development of economy is the fundamental base of finance , for the local economy prospers well , it exerts a positive influence upon City Commercial Banks , bringing greater financial support to the progress of small , medium and micro-sized enterprises. Over the last few years , through improving its own structure and practiced cross-region cooperation , bonding both internal and external cooperation , city commercial bank steadily grow up in capital , as well as in assets and market proportion , profoundly supportive local small , medium and micro-sized enterprises’ financing and making greater contribution to the growth of regional economy. Being aware of the present situation of financing of small , medium and micro-sized enterprises in our country is the task of priority to solve the financing-difficulty issue
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