民营银行服务实体经济的成效、挑战与对策

Effectiveness,Challenges and Countermeasures of Nongovemmental Banks in Serving Real Economy

民营银行作为我国金融对内开放的试验田,是支持民营经济和小微企业发展的重要举措。试点九年来,民营银行规模利润稳步增长,经营相对稳健。特别是以服务实体经济为导向,聚焦小微企业和个人客户业务,不断发掘市场中尚未被满足的金融需求,积极利用金融科技解决小微金融服务中的痛点和难点,初步探索出一些具有商业可持续性的业务模式,部分银行已具备了一定的核心竞争力和比较优势。

As an experimental field for China's financial opening to the interior,private banks focus on the business of small and micro enterprises and individual customers,and have initially explored some business models with commercial sustainability.Some banks have certain core competitiveness and comparative advantages.