摘要
小微企业在中国特色社会主义市场经济中所处位置举足轻重，数量大、分布广、类型多
是它的特点；促进经济增长、推动科技创新、提供就业岗位、增加税收是它的社会影响力。
在我国金融体系结构中，小微经济已经成为一个不可分割的主体。近几年小微企业市场方兴
未艾，这使我国传统商业银行将服务重点偏向了小微企业市场，不断推出小微企业的信贷产
品和其他金融服务，吸引了众多的小微企业驻足，助力小微企业贷款规模的扩大和金融资产
的增长。
本文首先分析小微企业的种类，金融需求的差异性；阐述了服务模式的相关理论，剖析
了商业银行目前实行的几种典型的小微金融服务模式；归纳总结出国内外商业银行开展小微
金融服务的优秀做法，并提出了目前城市商业银行小微金融服务模式存在的问题以及造成这
种现象的原因。本文选择近几年小微金融发展较快的HZ银行作为案例，通过分析HZ银行现
有的小微产品种类、融资途径、结算流程等方向，找出目前实施的小微金融服务模式存在的
问题。从小微企业的金融需求和银行发展两个角度出发，论证了优化小微金融服务模式的必
要性。HZ银行小微金融服务的优化有利于该银行对小微企业服务水平的提高，同时也扩大了
小微经济规模、抢占小微市场、提高该行竞争力，达到银行与企业双赢的局面。本文结合目
前城市商业银行的发展特点，汲取一些国内外商业银行开展小微金融服务的成功经验，有针
对性地提出优化模式的途径和建议，希望本文的研究可以对我国城市商业银行建立自己的小
微金融服务模式提供一定的参考和借鉴。
关键词：小微企业金融服务服务模式城市商业银行
I

Abstract
Small and micro enterprises play an important role in the Socialist market economy, which is
large number, wide distribution and various types. It can promote economic growth, promote
scientific and technological innovation, offer job opportunities, increase tax revenue. In the
structure of China's financial system, micro-economy has become an inseparable main body. In
recent years, the rise of the small and micro enterprises market has pushed the traditional
commercial banks in China to focus on the small and micro enterprises market and continuously
launch credit products and financial services to small and micro enterprises when seeking strategic
transformation, attracted a large number of small and micro enterprises, promoting the small and
micro enterprise loan size and financial assets rapid growth.
Firstly, this paper analyzes the types of small and micro-enterprises, the differences of
financial demand, expounds the related theory of service model, and analyzes several typical small
and micro-financial service models implemented by commercial banks. It sums up the excellent
practices of the domestic and foreign commercial banks in developing the micro-finance service
and puts forward the problems existing in the micro-finance service mode of the city commercial
banks at present as well as the causes of this phenomenon. In this paper, Hz Bank, which has been
developing rapidly in small and micro finance in recent years, is taken as a case study to analyze
the existing micro-products, financing channels and settlement process and find out the problems.
From the financial demand of small and micro enterprises and the banks development, it is
necessary to optimize the service mode of small and micro finance. Optimizing the micro-finance
service of Hz Bank can improve the service level, expand the scale of micro-economy, seize the
micro-market, improve the competitiveness of banks, and achieve a win-win situation between
banks and enterprises. Based on the characteristics of the development of commercial banks and
the other successful experiences in developing micro-finance services, this paper puts forward the
ways and suggestions for optimizing the model, it is hoped that the research can provide certain
reference for city commercial banks to establish their own micro-finance service modes.
Key words: small and micro enterprises
commercial bank
financial services business model
city
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目录
第 1章绪论................................................................................................................................................................1
1.1研究背景和意义.........................................................................................................................................1
1.1.1研究背景...........................................................................................................................................1
1.1.2研究意义...........................................................................................................................................2
1.2国内相关研究现状.....................................................................................................................................2
1.2.1小微企业...........................................................................................................................................2
1.2.2小微金融服务模式.......................................................................................................................... 4
1.3论文研究思路和内容.................................................................................................................................6
1.3.1论文研究思路..................................................................................................................................6
1.3.2论文内容..........................................................................................................................................6
第 2章商业银行小微企业金融服务现状分析.......................................................................................................8
2.1小微企业金融需求分析.............................................................................................................................8
2.1.1小微企业对商业银行服务需求分析..............................................................................................8
2.1.2小微企业投资服务需求分析.......................................................................................................... 9
2.2商业银行小微金融服务模式.....................................................................................................................9
2.2.1商业银行特征及作用...................................................................................................................... 9
2.2.2商业银行小微金融服务模式......................................................................................................... 10
2.3国内外商业银行小微企业金融服务.......................................................................................................16
2.3.1国外商业银行小微企业金融服务................................................................................................16
2.3.2国内商业银行小微企业金融服务................................................................................................18
2.3.3国内外商业银行小微金融服务模式的总结和借鉴....................................................................20
2.4城市商业银行小微企业服务存在的问题及原因...................................................................................21
2.4.1城市商业银行小微金融服务存在的问题.....................................................................................21
2.4.2城市商业银行小微金融服务存在的问题的原因.........................................................................25
第 3章 HZ银行面向小微企业金融服务模式现状分析.......................................................................................27
3.1 HZ银行概况..............................................................................................................................................27
3.1.1 HZ银行简介...................................................................................................................................27
3.1.2 HZ银行业务经营状况..................................................................................................