摘 要
2008年以来，由于受国际金融危机的影响，不少企业因为资金链断裂而倒闭，中小企业融资难问题在我国已引起了社会的广泛关注。因此，股份制商业银行通过加强创新模式以支持中小企业的发展存在其必要性及可行性。
而创新是经济增长和发展的重要源泉。随着我国加入WTO和金融改革的推进，金融创新已成为我国股份制商业银行求得生存与发展的必然选择。
本文论述了股份制商业银行金融创新理论及中小企业的概念和特征，通过分析股份制商业银行和支持中小企业发展现状以及面临的问题，从外部和内部两方面探讨中心小企业融资难的主要原因。再结合金融创新理论、中小企业特点的基础上，通过对商业银行创新原则、经营理念、管理制度、业务创新等方面的分析，说明股份制商业银行创新模式是促进中小企业发展的有效途径。
关键词：股份制商业银行，中小企业，创新模式
Since 2008, by the influence of the international financial crisis, many enterprises for capital chain rupture and collapse, small and medium-sized enterprise financing difficult problem in our country has attracted extensive attention of the whole society. Therefore, joint stock commercial Banks to strengthen innovation mode through to support small and medium enterprise development exist its necessity and feasibility.
And innovation is the development of economic growth and an important source. With China's accession to the WTO and financial reform, financial innovation has become China's joint-stock commercial bank seek survival and development of the inevitable choice.
This paper discusses the joint-stock commercial bank financial innovation theory and small and medium-sized enterprise concept and characteristic, through the analysis of the joint stock commercial Banks and support small and medium-sized enterprise development present situation and the problems they faced, and from two aspects discusses the internal and external financing for small businesses center of the main reason. Combined with financial innovation theory, small and medium-sized enterprises based on the characteristics of the, of the commercial Banks through the principle of innovation, management concept, management system, business innovation analysis, joint stock commercial Banks that innovation mode is to promote the development of small and medium-sized enterprises in an effective way.
Keywords: joint stock commercial Banks, and small and medium-sized enterprise, innovation mode.
And innovation is the development of economic growth and an important source. With China's accession to the WTO and financial reform, financial innovation has become China's joint-stock commercial bank seek survival and development of the inevitable choice.
This paper discusses the joint-stock commercial bank financial innovation theory and small and medium-sized enterprise concept and characteristic, through the analysis of the joint stock commercial Banks and support small and medium-sized enterprise development present situation and the problems they faced, and from two aspects discusses the internal and external financing for small businesses center of the main reason. Combined with financial innovation theory, small and medium-sized enterprises based on the characteristics of the, of the commercial Banks through the principle of innovation, management concept, management system, business innovation analysis, joint stock commercial Banks that innovation mode is to promote the development of small and medium-sized enterprises in an effective way.
Keywords: joint stock commercial Banks, and small and medium-sized enterprise, innovation mode.
温馨提示：答案为网友推荐，仅供参考
