It is an important way for small and micro enterprises to obtain differentiated financial financing services and obtain financial support from commercial banks. With the continuous development and innovation of China’s financial market, the way that companies choose to finance is changing significantly. One of the main trends is that large companies are financing the market, small and micro enterprises are financing the private sector. However, we all know that the cost of small and micro enterprises to private financing is very high, especially in the case of market downturn, it is easy to cause the micro-enterprise capital chain to tighten or even break. The management level is backward, the financial system is not perfect, the credit record is small, and the pledge is insufficient. The defects of these small and micro enterprises are difficult to meet the preconditions of commercial bank loans. Even some small and micro enterprises with good growth can only obtain limited. Funding, this is a drop in the bucket for a company that needs production and management. For the obvious shortcomings of small and micro enterprises, only from the actual situation analysis of small and micro enterprises, for each enterprise to develop financing schemes that meet their own characteristics and provide differentiated financial services, in order to enable small and micro enterprises to truly obtain large financial institutions’ financial support policy such as commercial banks.
From the perspective of the market, differentiated services can enable small and micro enterprises to obtain more funds in the financing process and control the financing costs to a minimum. With the continuous development of the economy, the problem of financing difficulties and financing for small and micro enterprises has become increasingly prominent. At the same time, China’s financial service system cannot keep up with economic development. Therefore, it is urgent to carry out reform and innovation on the financing of small and micro enterprises. Otherwise, the financing channels for small and micro enterprises are still high-cost private financing, which greatly restricts the development of enterprises. The differentiated service as an innovative financial service measure, small and micro enterprises can get lower and lower financing costs, and once this policy is perfected and mature, it can bring more reference to other financing channels of small and micro enterprises. This is undoubtedly greatly benefiting the development of small and micro enterprises, providing a steady stream of power for small and micro enterprises.
Commercial banks support the financial service for small and micro businesses is a necessary thing, whether it is to find a new profit growth point for itself or as an engine to boost economic development. In the face of the company’s own problems, commercial banks must shoulder social responsibilities and provide financial support for the development of small and micro enterprises to the greatest extent. Facing the problem of the business itself, commercial banks should give the small and micro businesses financial support to the largest extent, to lead the great development of the social economy.