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小微企业融资难、融资贵问题虽然得到了政府部门、金融机构以及社会各界的高度重视,但是由于其特殊的业态特征和风险属性,该问题仍是制约小微企业发展的重要因素。文章的创新之处在于充分发挥对小微企业的一线服务优势,结合丰富的实践经验与大量的理论研究,立足商业银行,通过深入挖掘小微企业特点,提出了符合其业态特征的创新性融资产品和服务模式;通过全面分析小微企业风险形成原因,提出了针对其风险属性的可行性风险控制方案。文章旨在将小微企业这一经济发展的活跃成分转变为银行的利润增长点,打造银企双赢新格局。
Although the financing of small and micro enterprises is difficult and the issue of financing is highly valued by government departments, financial institutions and various sectors of the society, the issue is still an important factor restricting the development of small and micro enterprises due to their special format and risk attributes. The innovation of this article is to give full play to the advantage of first-line service for small and micro-enterprises, combine abundant practical experience with a large amount of theoretical research, base on commercial banks, dig out the characteristics of small and micro-enterprises and put forward innovative financing Product and service model. Through a comprehensive analysis of the reasons for the formation of risk in small and micro enterprises, a feasible risk control scheme based on its risk attributes is proposed. The article aims to transform the active component of the economic development of small and micro enterprises into the profit growth point of banks and create a new win-win situation for banks and enterprises.