普惠金融视角下破解小微企业融资难问题研究——以中国建设银行黑龙江省鸡西分行为例

Solution of Financing Difficulties for Small and Micro Enterprises From the Perspective of Inclusive Finance A Case Study of Heilongjiang Jixi Branch of China Construction Bank Co. Ltd.

近年来,随着国家一系列惠民政策的出台,金融机构加大对小微企业支持力度,取得了一些成效,但也存在一些需要关注解决的问题。中国建设银行黑龙江省鸡西分行运用金融科技不断拓宽服务渠道、创新服务方式、完善服务体系,搭建了高效、透明、便捷、规范的融资服务环境,为破解小微企业融资难困境进行了有益的尝试。

In recent years,with the introduction of a series of policies for benefiting the people,financial institutions increase support for small and micro enterprises and some progress have been made.However,there are still some problems to be solved in performance of the policy.Heilongjiang Jixi Branch of China Construction Bank Co.Ltd.has continuously broadened its service channels,and innovated its service modes and service system by means of financial science and technology.It has set up an efficient,transparent,convenient and standardized financing service environment to solve the financing difficulties of small and micro enterprises in Jixi.