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改革开放以来,随着市场经济的不断发展,我国出现了很多的小微企业,小微企业的发展在我国的经济发展中占据着非常重要的作用。本文针对商业银行如何开展小微企业的信贷模式进行了探究,对小微企业的信贷业务进行了简单的分析,对其发展现状、模式、基本原则以及影响因素进行了分析。
Since the reform and opening up, with the continuous development of market economy, there have been many small and micro enterprises in our country. The development of small and micro enterprises occupies a very important role in the economic development of our country. This article probes into how commercial banks carry out the credit models of small and micro enterprises, and makes a simple analysis of the credit business of small and micro enterprises. The status quo, modes, basic principles and influencing factors are analyzed.