Abstract

<span style="font-family:宋体;">小微企业是促进江苏经济发展的重要力量。由于小微企业往往缺乏银行认可的抵押物或担保人，且融资具有“短、频、急”特点，导致其融资难。商业银行重视小微信贷业务的发展，有利于寻找到利润新的增长点。银行只有加强创新，加强与企业互利合作，才能开发出适合小微企业的业务，提高市场竞争力。</span> <span style="font-family:宋体;"> <p class="MsoNormal"> <span lang="EN-US">Micro Finance Business is the importantforce to promote the development of economy in Jiangsu. Lacking of the mortgagedproperty or the guarantor approved by the bank, and with the characteristics of“short, frequency, and urgent”, Micro Finance Business are easy to be lost in thefinancing difficulties. It is helpful for the commercial banks to find the new profitgrowth point when they pay attention to the development of Micro Finance Business.Only by enhancing innovation, strengthening the mutual beneficial cooperation withthe enterprise can Micro Finance Business find a way to survive and improve themarket competitiveness. </span>