伴随市场化改革的进程，小微企业像雨后春笋般拔地而起，这些企业在我国 国民经济当中占据着重要的地位。在党的十九大中提出要大力支持小微企业发 展，而且今年的两会中也提到需要采取多种措施切实降低小微企业的经营成本， 不断的提升优惠政策的幅度。然而，当前我国的小微企业依然面临资金短缺的现 象，以致于限制了很多小微企业的发展。而且，随着商业银行数量的快速增长和 互联网金融企业的快速发展，商业银行所面临的市场竞争更加剧烈，小微企业信 贷市场将变成商业银行竞争的焦点，然而目前传统的信贷产品很难满足我国小微 企业的贷款需求，所以当务之急是通过商业银行小微企业信贷产品创新来满足当 前市场的需求。 本文主要是以建行H分行作为研究对象，运用文献分析法、实地调研访谈 法、分析比较法等研究方法，结合金融产品创新理论、产品生命周期理论，针对 商业银行的小微企业信贷产品创新策略进行了详细的研究。首先主要是基于国内 研究现状，介绍了本文研究的背景、意义以及创新点和不足。在此基础上，就本 文涉及的一些基本概念，如小微企业、信贷产品，以及所运用的理论展开阐述分 析。文章第三部分，主要对当前建行H分行小微企业信贷产品的现状进行了详 细的论述，在介绍相关产品的基础上，深入分析其中存在的问题，如产品同质化 突出，服务模式单一；获客场景单一， 准入门槛较高；贷业务审批时间较长、 流程繁琐等。文章第四部分，对建行H分行小微企业信贷产品创新SWOT分析 详细对建行H分行小微企业信贷产品创新的优势、不足、机遇和挑战分别进行了 分析；最后基于SWOT分析的结果以及现实存在的问题，为建行H分行提出小 微企业信贷产品创新的策略，其中包括应用新技术创新，打造智能服务新模式； 拓展新场景创新，优化客户评价体系；深化流程创新，推动高效审批新模式；防 控风险创新，构建动态管理新体系。通过本文的研究，以期为包括建行H分行 在内的，我国银行业信贷产品的创新发展提供参考。 关键词：小微企业，信贷产品，风险管理，创新 V Abstract With the process of market-oriented reform, small and micro enterprises are springing up like bamboo shoots after a spring rain, and these enterprises occupy an important position in China's national economy. In the 19th National Congress of the Party put forward to vigorously support the development of small and micro enterprises, and this year's two sessions also mentioned the need to take a variety of measures to effectively reduce the operating costs of small and micro enterprises, continue to improve the range of preferential policies. However, at present, China's small and micro enterprises still face the phenomenon of capital shortage, which limits the development of many small and micro enterprises. And with the rapid growth of the number of commercial Banks and the rapid development of Internet financial enterprises, commercial Banks are facing more intense market competition, small micro enterprise credit markets will become the focus of competition of commercial bank, however, the traditional credit products are difficult to meet the demand for loans of small enterprises in our country, so it is imperative that small micro enterprise credit by commercial bank product innovation to meet the needs of the current market. Taking H Branch of China Construction Bank as the research object, this paper conducts a detailed study on the credit product innovation strategies of small and micro commercial banks by using literature analysis, field research and interview method, analysis and comparison method and other research methods, combined with financial product innovation theory and product life cycle theory. Firstly, based on the current situation of domestic research, this paper introduces the background, significance, innovation and shortcomings of this research. On this basis, this article involves some basic concepts, such as small micro enterprise, credit products, as well as the use of theory in this analysis, the article third part, mainly on the current CCB branches on the current situation of small micro enterprise credit products in detail, on the basis of the introduction of related products, in-depth analysis of the problems, such as product homogeneity is outstanding, a single service mode; The scene of customer acquisition is single and the entry threshold is high; The approval time of loan business is long and the process is complicated. The fourth part of this paper, SWOT analysis of credit product innovation of small and micro enterprises of CCB H Branch, analyzes the advantages, disadvantages, opportunities and challenges of credit product innovation of small and micro enterprises of CCB H Branch in detail. Finally, based on the results of SWOT analysis and the existing problems, the paper puts forward the strategy of credit product innovation for small and micro enterprises for H Branch of CCB, including the application of new technology innovation to create a new intelligent service model. Expand new scene innovation, optimize customer evaluation system; We will deepen process innovation and promote a new model of efficient examination and approval. Through the study of this paper, it is expected to provide reference for the innovation and development of credit products in China's banking industry, including H Branch of China Construction Bank.. Key words: Small and micro enterprises, Credit products, Risk management, Innovation VII 目 录 摘要 ........................................................................................................................ I Abstract ................................................................................................................. II 第1章 绪论 ....................................................................................................... 1 1.1 研究背景................................................................................................ 1 1.2 研究意义................................................................................................ 2 1.2.1 现实意义.................................................................................... 2 1.2.2 理论意义...................................................................................... 2 1.3 研究现状................................................................................................ 3 1.3.1 国外研究现状............................................................................ 3 1.3.2 国内研究现状............................................................................ 4 1.4 研究内容和方法.................................................................................... 6 1.4.1 研究内容.................................................................................... 6 1.4.2 研究方法.................................................................................... 7 1.5 创新点和不足........................................................................................ 8 1.5.1 创新点........................................................................................ 8 1.5.2 研究不足.................................................................................... 8 第2章 相关概念和基础理论.............................................................................. 9 2.1相关概念................................................................................................. 9 2.1.1 小微企业.................................................................................... 9 2.1.2 信贷产品.................................................................................. 11 2.1.3 信贷产品创新的含义.............................................................. 11 2.2理论基础............................................................................................... 12 2.2.1 金融产品创新理论.................................................................. 12 2.2.2 产品生命周期理论.................................................................. 14 第3章 建行H分行小微企业信贷产品现状.................................................. 17 3.1 建行H分行小微企业信贷产品介绍.................................................. 17 3.1.1 建行H分行小微企业信贷产品简介...................................... 17 3.1.2 建行H分行小微企业信贷产品类型...................................... 17 3.1.3 建行H分行与同业大数据信贷产品的比较...................