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近年来,在国民经济快速增长的推动下,小企业发展非常之快,已成为应对金融危机、缓解就业压力、维护社会稳定、保持国民经济较快发展的一个重要因素。由于小企业客户信贷综合效益高、边际效益好、忠诚度高,各金融机构在抓好大项目、大企业的同时,已将小企业业务纳入经营发展战略性业务重点推进。为进一步加快农行小企业信贷业务发展,本文通过对襄樊城区小企业信贷业务发展情况调查分析,提出以下建设性思考。
In recent years, under the impetus of the rapid growth of the national economy, the development of small enterprises has been very fast and has become an important factor in coping with the financial crisis, alleviating employment pressure, maintaining social stability and maintaining a rapid national economic development. Due to the comprehensive benefits of small business customers’ credit, good marginal benefits and high loyalty, all financial institutions, while grasping large projects and large enterprises, have integrated their small business businesses into the strategic focus of their business operations. In order to further speed up the development of ABC’s small business credit business, this paper presents the following constructive thinking through the investigation and analysis of the development of credit business of small enterprises in Xiangfan City.