我国商业银行小微企业信贷业务流程创新研究
——以某银行为例
摘 要
小微企业在国民经济中正扮演着越来越重要的作用，而其生存环境却
因为宏观经济的不景气而受到了严重的影响。由于其自身发展的阶段特
点，除了依靠自身产品、技术、渠道等优势将企业做大做强，满足商业银
行对于信贷客户的基本要求外，很难获得商业银行在信贷方面的支持或者
支持的力度与及时性都难以得到保证。在政府各项扶持政策的推动下，小
微企业的生存环境得到了改善，而其融资渠道问题也在进一步得到解决。

各家商业银行均根据自身特点，推出了针对小微企业的个性化融资产品和
服务。而随着商业银行越来越重视小微企业的信贷业务，将其视为近一阶
段业务发展及利润增长的重点，围绕着更好地为小微企业信贷需求服务的
改革也在商业银行信贷业务的各个环节展开。

本文通过对于国内外现有银行流程再造理论的研究与学习，借鉴国内
外金融机构在小微企业金融服务方面的创新及实践结果，并以某银行现行
信贷工厂流程模式运行现状为分析对象，对小微企业信贷业务流程的创新
进行了研究。针对其中存在的问题，根据企业流程再造理论的运用，通过
产品创新、机构人员设置、业务流程电子化等几方面对于现有该银行流程
进行优化，以期达到更好地为小微企业迫切的信贷需求服务的目的。

关键词：小微企业，信贷业务，流程，创新THE RESEARCH OF THE INNOVATION OF
COMMERCIAL BANKS’ CREDIT BUSINESS
PROCESS OF SMALL TO MICRO-SIZED
ENTERPRISES--USING CERTAIN BANK AS AN
EXAMPLE
ABSTRACT
Small to micro-sized enterprises are playing an increasingly important
role in our national economy. However, their surviving environment is
influenced by the stagnant macro-economy. Since different growth stages of
these enterprises have different features, it is hard for them to get sufficient or
efficient loan support from commercial banks only if they have met the basic
requirements set by the banks, which means they should firstly develop with
their own advantages like products, technologies, channels and etc. Stimulated
by the supporting policies from the government, the surviving environment for
small to micro-sized enterprises has been improved. The financing channel has
also been expanded since an increasing number of commercial banks have paid
more attention to the relevant field. Banks view the credit business of small to
micro-sized enterprises as the new growing point of both business scale and