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中小企业的生产经营为银行业务、财经动态提供了较大贡献度。如今日益激烈的企业竞争带给商业银行的不仅是数据流、资金流,而且还有更广泛的金融风险。如何通过商业银行的业务转型来推动中小企业金融业务发展值得人们关注。文章首先阐述商业银行业务转型的必要性,分析了商业银行办理中小企业金融业务的存在问题,提出了商业银行在积极影响中小企业金融业务发展方面的改善决策。
The production and operation of SMEs provide a greater contribution to the banking business and financial dynamics. Today’s increasingly competitive business brings commercial banks not only data flow, capital flow, but also a wider range of financial risks. How to promote the development of SME financial business through the business transformation of commercial banks deserves attention. The article first elaborates the necessity of business transformation of commercial banks, analyzes the existing problems of commercial banks in handling the financial businesses of small and medium-sized enterprises, and puts forward the improvement decision of commercial banks in the positive impact on the development of SMEs’ financial businesses.