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随着我国市场经济的迅速发展,国家相关政策和扶持小微企业的发展战略不断实施,小微企业迅速崛起,在市场经济中占有一席之地,是我国经济发展中的一个重要角色。小微企业不仅有效地缓解了我国的就业压力,还促进着我国综合实力的增强。因此,商业银行加大了对小微企业的探索力度,积极的发展小微企业的金融服务和有效地控制小微企业的金融风险。本文就制度的创新角度,对小微企业金融服务的发展模式、风险控制体系和综合服务体系进行深入的分析与研究。
With the rapid development of the market economy in our country, relevant policies of the state and the development strategy of supporting small and micro enterprises have been implemented continuously. The rapid rise of small and micro enterprises occupies a place in the market economy and is an important role in China’s economic development. Small and micro enterprises not only effectively relieve the employment pressure in our country, but also promote the enhancement of our comprehensive strength. Therefore, commercial banks have stepped up the exploration of small and micro enterprises, actively developed the financial services of small and micro enterprises and effectively controlled the financial risks of small and micro enterprises. This article makes an in-depth analysis and research on the development model, risk control system and integrated service system of financial services for small and micro-enterprises based on the innovation of the system.