商业银行“专精特新”中小微贷款业务的思考

Thoughts on the"Specialization,Refined,Differen tial and Innovative(SRDI)"Small,Medium-sized and Microloan Business of Commercial Banks

支持“专精特新”中小企业创新创造,补齐加强供应链、产业链,是推动我国产业结构转型升级、实现国际国内经济双循环、促进经济民生高质量发展的战略性举措。如何更好服务“专精特新”中小企业的金融需求,是金融界普遍关注和重视的课题。在当前商业银行支持“专精特新”中小企业的实践中,面临一些具体的矛盾和问题,比较突出的有营销效率不高、风险防控压力大、产品创新有局限、外联助攻难协调等。对此,商业银行需要树立共克时艰的大局观,加快金融产品服务创新步伐,建立完善风险共担机制,合力打造关键构件,切实增加“专精特新”中小企业融资能力、融资规模,同时要优化信贷、人力、信息科技等各项资源配置,立足市场需求实现业务发展。

Supporting the innovation and creation of Specialized,Refined,Differential,and Innovative(SRDI)SMEs,and strengthening the supply chain and industrial chain is a strategic measure to promote China's industrial structure transformation,achieve a dual circulation of the international and domestic economy,and promote high-quality economic and social development.How to better serve the financial needs of SRDI SMEs is an important issue that the financial industry is generally concerned about.In the current practice of commercial banks supporting SRDI SMEs,there are some specific contradictions and problems,such as the inability to improve marketing efficiency,great pressure of risk prevention and control,limited product innovation,and difficulties in coordinating external assistance.Therefore,commercial banks need to establish a comprehensive view of the overall situation,accelerate the pace of financial service innovation,establish and improve risk-sharing mechanisms,jointly create key components,effectively increase the financing capacity and financing scale of SRDI SMEs,and optimize the resource allocation of credit,human resources,and information technology based on market demand to achieve business development.