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现在,随着国家从不同的层面为小微企业的发展提供了有效的帮助,因此越来愈多的银行业愿意将更多的精力投入到小微企业的信贷工作上。中国民生银行则率先开启了针对小微企业的信贷工作,并将该项工作作为民生银行的主打业务在全社会范围加以推广,吸引了越来越多的小微企业来民生银行进行信贷工作。本文从银行的角度分析商业银行在面对小微企业信贷方面自身的不足,已有银行的成功尝试,最后提出相应的解决方案。
Now that the state has provided effective help to the development of small and micro enterprises at different levels, more and more banks are willing to devote more energy to the credit work of small and micro enterprises. China Minsheng Bank took the lead in opening up the credit work for small and micro enterprises, and promoted the work as the main business of Minsheng Bank across the whole society, attracting more and more small and micro enterprises to Minsheng Bank for credit work. This article analyzes the commercial banks’ own shortcomings in the face of the credit of small and micro enterprises from the perspective of the banks, and has successfully tried the banks. Finally, the corresponding solutions are put forward.