摘 要
无论是在发达国家还是发展中国家，中小企业对经济的发展都起到了不可忽
视的作用。在我国，中小企业不仅提供了新的就业岗位，还为创业的企业家创造
了重要发展的平台，甚至还为科技创新提供强大的力量支撑。在目前的经济形势
下，要想保持经济平稳快速的发展，并加快经济发展方式的转变都是和小微企业
的健康发展息息相关的。但是，在较快的经济增长过程中，由于中小企业自身发
展的特征及局限性，例如偿债能力弱、融资规模较小、财务规范性差、公司
治理机制不够完善等问题，使得中小企业在面临风险的情况下，应对能力比
较弱。因此，大型金融机构一般缺乏相关的金融服务方案，再加上其他方面的
原因，小微企业面临着融资难、融资贵等问题。所以资金问题就是中小企业尤其
是小微企业发展中的瓶颈问题，如果这个问题解决了，中小企业就能顺利地获得
资金并能够提高资金的使用效率，从个体上来说能提高了中小企业运作的整体效
率，从总体上来说，能够在全社会范围内进一步优化资源配置。

然而，中小企业要想获得资金支持，通过发行股票和债券这个方式是行不通
的，只能转向银行寻求贷款。民生银行抓住这个机遇，向这一传统难题进军，设
计出一套全新的商业模式来降低成本、控制风险，这就是“商贷通”模式。本文
针对这一模式的形成和发展，采用文献研究和案例分析相结合的方法进行了分析
研究。以具体真实的案例背景为基础，实证分析了民生银行“商贷通”业务存在
的具体风险及其应对措施，并针对这些风险，提出了一些完善风险应对措施和加
强防范这些风险的对策和建议。

关键词：小微企业 商贷通 具体风险 对策和建议

II
ABSTRACT
Small and medium-sized enterprise either in developed countries or in developing
countries is an important force for the national economy. In our country, small and
medium-sized enterprises especially small micro enterprise is not only to provide new
jobs in the main channel, but also the important platform for entrepreneurial growth,
and even is the supporting strength of science and technology innovation. In the current
economic situation, maintaining steady and rapid economic development and
accelerating the transformation of the mode of economic development are closely
related to the healthy development of small and micro enterprises However, in the
process of rapid development, due to the small and medium-sized enterprises own
characteristics, such as the weak solvency, smaller financing, poor financial norms, the
lack of sound corporate governance mechanism, the small and medium-sized enterprises
have weak ability to resist risks. Therefore, large financial institutions generally lack of
related financial services program, plus other reasons, small micro enterprise are facing
difficulty in financing. So the problem of funds is the bottleneck problem of the
development of small and medium-sized enterprises especially small micro enterprises,
if the problem is solved, small and medium-sized enterprise can successfully obtain
funds and are able to make full use of it, it will improve the overall efficiency of small
and medium-sized enterprise operation and further optimize the allocation of resources
of the whole society.
However, small and medium-sized enterprises are difficult to obtain financial
support through the issuance of stocks and bonds, but turn to bank for a loan. Minsheng
bank seizes the opportunity to march the traditional problem, design a set of new
business model to reduce the cost and control risk, which is. In this paper, the model of
formation and development has been analyzed by the means of combining the literature
research and case analysis. There had an empirical analysis of the Shang Dai Tong
model of Minseng bank based on the specific and real cases. Finally, this paperIII
KEY WORDS: Small and micro enterprises Shang Dai Tong specific risk
countermeasures and suggestions
proposed some countermeasures and Suggestions to prevent the risks, which existed in
the Shang Dai Tong model.