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越来越多的商业银行关注小微企业信贷,他们试图通过观念、模式、制度设计等金融创新来增加小微企业信贷的盈利空间,事实上,这种尝试已经取得了良好的发展成果,但是随着经济周期的变换,尤其是面对中国经济延续增速放缓的趋势、经济政策的微调,小微企业信贷出现新偏好。为此,《中国银行业》杂志日前通过微博、微信以及线下专项调查,了解新形势下小微企业的融资需求特点。
More and more commercial banks are focusing their attention on small and micro enterprises’ credit. They try to increase the profit margins of small and micro enterprise credit through financial innovations such as concept, model and system design. In fact, this attempt has achieved good results. However, With the transformation of the economic cycle, especially in the face of the trend of China’s sustained economic slowdown and the fine-tuning of economic policies, new preferences have emerged in the credit of small and micro enterprises. To this end, “China Banking Magazine” recently through the microblogging, WeChat and offline special investigation to understand the characteristics of the financing needs of small and micro enterprises under the new situation.