村镇银行创新金融产品与服务方式支持小微企业发展研究——以吉林省松原宁江惠民村镇银行为例

近年来,村镇银行在政策的引导和扶持下,取得了长足发展。村镇银行立足县域、服务"三农",有效增加了农村金融供给,在支持"三农"和小微企业发展中发挥了积极作用。当前,村镇银行针对小微企业着力开展金融产品与服务方式创新,为授信小微企业健康发展提供了有效的资金支持,但其对小微企业的资金支持中还存在许多风险和困难,亟待有关部门给予支持和引导。

Developing Suggestions on Rural Banks to Innovate Financial Products and Service Mode in support of Small and Micro Enterprises

in recent years,rural banks had achieved significant development under the guide and support of the government policies.Rural banks had based on the county,served ＂three agriculture＂,increased the rural financial supply effectively,and played a positive role in supporting the development of ＂three agriculture＂ and the small and micro enterprises.Nowadays,rural banks had focused on carrying out innovative financial products and service mode for the small and micro enterprises,which provided an effective financial support for the healthy development of credit small and micro enterprises.However,there still exist many risks and difficulties in financing the small and micro enterprises,and the support and guide of the relevant departments are need urgently.