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小企业作为国民经济的重要细胞和组成部分,已经成为县、市级银行业务发展的重要载体。如何提高对小企业金融服务水平,促进银企互动对接,农行荆门分行组织专班对荆门市金融服务中小企业情况进行了实证研究。结果表明,小企业发展加速,银行支持力度加大,但由于信贷计划规模、信贷运作模式、金融服务产品等诸多因素的影响,企业获得银行服务难的问题仍然十分突出,需要引起高度重视并加以解决。
Small businesses, as important cells and components of the national economy, have become important carriers for the development of county and municipal banking services. How to improve the level of financial services for small businesses, promote the interaction between banks and enterprises, and organize a special class at the Jingmen Branch of the Agricultural Bank of China to conduct an empirical study on the situation of financial services for small and medium-sized enterprises in Jingmen City. The results show that the accelerated development of small businesses and the increase in bank support have made it difficult for enterprises to obtain banking services due to the impact of credit plan scale, credit operation models, and financial services products. solve.