我国传统观点认为,小微企业融资问题应依靠中小银行甚至是非正规金融机构来解决,而事实上,经过多年的实践并未成行。在此背景下,在小微企业贷款领域一直不被重视的大型银行的效率问题值得重新思考。大型银行不仅适合开展小微企业贷款业务,而且,相对于中小型银行还具有比较优势。 Our traditional view is that the financing of small and micro enterprises should rely on small and medium-sized banks or even informal financial institutions to solve the problem. In fact, after many years of practice, it has not taken off. Against this background, the issue of the efficiency of the large banks that have not been taken seriously in the area of ​​micro-enterprise lending is worth rethinking. Large banks are not only suitable for lending to small and micro enterprises, but also have comparative advantages over small and medium-sized banks.