西北地区城市商业银行如何进一步支持小微企业融资

How Can City Commercial Banks in Northwest China Further Support Small and Micro Enterprises in Financing

摘要: 小微企业数量庞大，发展迅速，是中国经济社会的重要组成部分。但是，小微企业由于其融资需求周期短、频率高、信用风险较大等特点，在商业银行难以获得多渠道、低费用的融资。本文聚焦西北地区城市商业银行小微企业融资支持情况，从供给和需求两个方面为切入点，将西北地区城市商业银行与其他地区、其他类型的银行业金融机构普惠型小微贷款业务开展情况进行对比，找出突破口，希望能够为西北地区城市商业银行普惠小微贷款业务的优化提供思路。

Abstract: The large number of small and micro enterprises and their rapid development are an important part of China’s economy and society. However, due to their short financing demand cycle, high frequency and high credit risk, small and micro enterprises are difficult to obtain multi-channel and low-cost financing in commercial banks. This paper focuses on the northwest city commercial bank small micro enterprise financing support, from two aspects of supply and demand as the breakthrough point, the northwest city commercial Banks and other regions and other types of banking financial institutions small micro loan business comparison, find out the breakthrough, hope to be able to the northwest city commercial Banks optimization of small micro loan business.