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近年来,金融脱媒与利率市场化进程不断加速,加之监管部门的要求,大型商业银行开始改变经营策略,纷纷将目光投向小微企业。但是,在发展过程中,无论从自身角度还是相较于中小型银行来说,都还存在很多问题。本文在分析我国大型银行小微企业贷款业务发展现状的基础上,针对存在的问题,提出了大型银行拓展小微企业贷款业务的策略选择。
In recent years, the process of financial disintermediation and interest rate liberalization has been accelerating. In addition to the requirements of regulatory authorities, large commercial banks have begun to change their business strategies and have turned their attention to small and micro enterprises. However, in the course of development, there are still many problems in terms of their own perspectives as compared with small and medium-sized banks. Based on the analysis of the current situation of loan business development of small and micro enterprises in large banks in our country, this paper puts forward the strategy of large banks in expanding the loan business of small and micro enterprises based on the existing problems.