小微企业信贷产品创新研究摘要国内的社会主义经济当中，小微企业占有比较重的位置，数量庞大、分布广泛、种类繁多、较为活跃，在调节以及完整产业的构造，处理人员就业，推动城镇化过程等等的方面有着无法替代的效用，为国内的经济成长以及社会的前进做出了重要奉献，党的十八大清楚指出要大力成长小微企业。但是，国内小微企业长时间面临着融资困难的境况，银行信贷融资变成阻碍小微企业突出成长的主要原因。同时，伴随国内金融制度的不断完整，商业银行间的角逐日渐剧烈，潜力巨大的小微企业渐渐变成商业银行首要抢夺的目标。小微企业信贷业务有着明显的特质，传统的信贷产品体制没办法满足市场的要求，商业银行小微企业信贷产品的革新，必须马上展开。由此，文章根据金融的革新理念、信息的不对称理念、信贷的配给理念以及企业的金融成长周期理念，使用文献分析法，统计分析法等等的探究方式，由金融创新的视角，对国内小微企业的信贷产品的创新采取系统的解析。文章对国内外的探究进展进行整理，对小微企业信贷产品创新的有关理念采取定义，分析国内商业银行展开小微企业信贷产品创新的必重要性。随后解析国内小微企业信贷产品创新的现状，指出国内商业银行在小微企业信贷产品创新同质化严重、风险防范机制不完善、创新服务保障体制不完善等等问题，且对问题产生的因素采取探究。以国内外优秀经验作为参考，联合国内商业银行成长的真实状况，给出促使小微企业信贷产品创新成长的意见以及策略:商业银行要细致划分市场、激励技术成长；建设全面的动态风险控制体制；提升小微企业信贷产品的订价力；增强小微企业的信用等级体制的构建；完备担保体制的构建；建立科学的小微企业信贷产品创新概念，加强小微企业的信贷业务投入。关键词：商业银行；小微企业；信贷产品；创新AbstractInthedomesticeconomy,Smallandmicrobusinessesoccupiesaveryimportantposition,alargenumber,widedistribution,variety,moreactiveinregulatingandconstructingacompleteindustrialprocessing,personnelemployment,promotingtheprocessofurbanizationandhasirreplaceableeffect,makeanimportantcontributiontotheeconomicgrowthandtheprogressofthesociety,theParty'seighteenclearlypointedouttheneedtogrowSmallandmicrobusinesses.However,thedomesticsmallandmicroenterprisesforalongtimetofacethesituationoffinancingdifficulties,bankcreditfinancinghasbecomethemainreasonforthegrowthofsmallandmicroenterpriseshinderthegrowthofsmallandmicroenterprises.Atthesametime,withthecontinuousintegrityofthedomesticfinancialsystem,thecompetitionbetweencommercialbanksisbecomingincreasinglyfierce,thepotentialofsmallandmicroenterprisesgraduallybecomethemaintargetofcommercialbankstosnatch.Smallandmicroenterprisecreditbusinesshasobviouscharacteristics,thetraditionalcreditsystemcannotmeettherequirementsofthemarket,commercialbanks,smallandmicroenterprisecreditproductinnovation,mustbelaunchedimmediately.Thus,accordingtothefinancialinnovationtheory,informationasymmetrytheory,creditrationingtheoryandenterprisefinancialgrowthcycletheory,usingliteratureanalysismethod,statisticalanalysismethodandsoontheinquiry,bytheviewoffinancialinnovation,theinnovationofdomesticSmallandmicrobusinessescreditproductsadoptsystemanalysis.Thispaperreviewstheresearchprogressathomeandabroad,anddefinestherelevantconceptsofsmallandmicroenterprisecreditproductinnovation,andanalyzestheimportanceofthedomesticcommercialbankstoexpandtheinnovationofsmallandmicroenterprisescreditproducts.ThenthestatusquoanalysiscreditproductinnovationofdomesticSmallandmicrobusinesses,pointedoutthatthedomesticcommercialbanksinSmallandmicrobusinessescreditproductinnovationhomogeneity,riskpreventionmechanismisnotperfect,innovationserviceguar...
