论商业银行小微企业贷款新模式——以中国民生银行的城市商业合作社为例

The New Model of the Small and Micro Businesses Loans by Commercial Banks——With the City Business Cooperatives of China Minsheng Bank as an example

文章以深入分析商业银行小微信贷发展的瓶颈为基础,归纳总结我国目前存在的关系型贷款、供应链贷款和产业集群贷款三种模式,剖析民生银行的城市商业合作社模式的运作机理与业务流程。城市商业合作社以"批量化、规模化"的思路有效整合产业集群和供应链外的小微企业客户,对商业银行探索适合小微企业特征的服务模式具有推广和借鉴价值。

Based on the analysis of the bottleneck of the development of small and micro businesses loans offered by commercial banks, this paper summarizes three existing modes： relationship lending, supply chain loans and industrial clusters loans. It analyses the operation mechanism and business processes of Minsheng Bank＇s city commercial cooperatives mode. City commercial cooperatives operate the idea of mass scale to integrate effectively small and micro businesses outside the industrial clusters and supply chain, which has the promotion and reference value for banks to explore the service model suitable for small and micro businesses.