Research about problems of improving the financing-difficulty issue for small, medium and micro-sized enterprises based on the perspective of city commercial banks in the dual circulation background

Abstract

In order to solve the current financing-difficulty issue for small, medium and micro-sized enterprises, in the “ two sessions ” of 2021, government has released various favoring policies regards the development of small-sized enterprises, and predictably, in the future small, medium and micro-sized enterprises could combine with more and more policy advantages to achieve sustainable progress. As local financial institution, city commercial banks as well undertakes the responsibility of providing financial supports for small, medium and micro-sized enterprises and laying out the fundamental basis for local economy. This article will initiate from functions of our national city commercial banks in financing for small, medium and micro-sized enterprises, then respectively analyse the current situation of both small, medium and micro-sized enterprises financing and city commercial banks, bring up challenges that city commercial banks confront in the progress of business of financing for small, medium and micro-sized enterprises, and offer suggestions concerning promoting our national city commercial banks’ financing business and measures to deal with existing issues. At the end, based upon the development orientation of city commercial banks, provide optional measures aimed to ameliorate the financing-difficulty issue of our national small, medium and micro-sized enterprises.