商业银行小微企业信贷业务发展策略

Strategy for Developing Credit Business of Commercial Bank to Small and Micro Enterprises

从信息不对称情况下商业银行与小微企业的动态博弈分析切入,探索目前银行发展小微企业信贷业务的瓶颈及解决途径。结合SPP理论,运用"链式"思维,从商业银行如何确立优质的小微企业客户群体、如何引导小微企业信贷的客户经理拓展业务模式、如何加快金融产品及服务的创新速度等方面,深入探讨商业银行发展小微企业金融的可行方案。

Starting from the analysis on the dynamic game between commercial banks and small and micro enterprises in the condition of asym- metric information,this paper explores the bottlenecks existing in the process that commercial banks develop credit business toward small and micro enterprises and their solutions. Based on the thinking of chain, from the aspects that how to determine small and micro enterprise custom- ers with high quality,how to guide account managers to extend business development mode, and how to accelerate the innovation of financial products and services,it puts forward the feasible proposals for commercial banks to develop finance business toward small and micro businesses.