小微金融是金融公司服务于小微企业这种特殊群体，并为他们活动提供特
定产品和特定服务的过程。如何更好的提升企业服务品质，寻找新的获利增长
点是小微金融产品设计的出发点和落脚点。本文依托现有主要产业政策，在分
析目标对象小微金融活动质量同时，尝试对小微企业金融服务的等级进行行业
评定，从而形成较规范化的行业标准；从 MS 银行小微金融服务的现有优势和障
碍分析过程得出产品设计思路和产品服务的功能优化，并以具体的金融产品案
例和服务流程做法进行现场分析，同时对小微金融产品活动所涉风险进行发掘
和如何防范提出具体建议，并结合企业所在城市现实状况提出发展小微金融服
务业的对策思路
通过全文分析，本文得出的基本结论有如下观点：一是目前我国特别是发
达城市小微金融服务水平已从“数量式”发展过渡到了“内涵式”发展阶段；二是不
同金融机构对小微金融产品的多层嵌套事实上已使得风险控制呈现“隐藏性”特
点，这对不同体量的金融机构防范风险提出了新的挑战；三是 MS 银行小微金融
产品发展存在客户类型不全面、盈利不稳定，这需要特定部门重塑组织架构和
人力资源安排，同时部门的信息共享和互通是拓展业务利润稳定来源的关键
关键词：小微金融；产品服务；小微企业；优化方法；MS 银行ABSTRACT
II
ABSTRACT
China&39;s financial market competition is increasingly intense, taking into account
the commercial banks of the serious homogeneity of financial products, customer&39;s
personalized financial needs more and more innovative financial products and
services to create a full range of financial products are commercial banks,
especially regional business The direction of the bank. Since the 21st century, along
with China&39;s e-commerce economy, especially the rapid development of Internet
finance, micro-micro-financial customer service targets for the increasingly
prominent large-scale population, low service threshold characteristics; small
micro-customers are increasingly becoming the future investment One of the four
main customers, is the future economic development of hot groups. The channel
under the flattened under the expansion of customers and micro-profit marketing is a
small micro-finance is the inevitable trend of future development, which has become
China&39;s economic growth, the fourth profit source. With the growing
micro-financial market, small and micro enterprises financing difficulties, P2P and
other new types of services and regulatory problems and other new issues have
gradually been put on the agenda, a commercial bank to innovate financial products,
develop business Blue OceanThe new difficulties faced by the offline financial
enterprises and pure Internet financial enterprises in the fierce competition in the
macro-financial system to test the type of activities of the shift, while the offline
financial sector and online financial sector in the micro-financial enterprises within
the test activities The ability to replace each other.
Small microfinance is a project or institution where a financial enterprise serves
a specific activity of a small micro enterprise and provides special financial products
and services for a particular target customer. How to better serve the enterprise
quality and new profitability is the small micro-financial product design starting point
and the foothold. Based on the basic theory of circulation economics, regional
economics and finance, this paper compares the service level and development status
of small and micro financial products at home and abroad on the basis of elaboratingABSTRACT
III
the theory of small microfinance service, analyzes the commercial banks&39; The
advantages and obstacles of service, from the perspective of the financial service
innovation of MS Bank Shanghai Branch, this paper puts forward the commercial
banks to provide integrated financial products service capability promotion process
for small and micro enterprises, and analyzes them with specific financial product
cases and service flow practices, To further explore the risks involved in the activities
and how to prevent specific recommendations and comments, combined with the
reality of the city where the city put forward the development of small
micro-financial services industry countermeasures.
Through the full text analysis, the basic conclusions drawn from this paper are as
follows: First, the level of micro-financial services in China, especially in developed
cities, has changed from quantitative development to connotation stage; The
multi-layer nesting of micro-financial products has already made the risk of hidden
features, which poses new challenges to the risk prevention of different financial
institutions. Thirdly, the development of small micro-financial products in MS banks
is not Comprehensive, and unstable, which requires specific departments to reshape
the organizational structure and human resource arrangements, while the department&39;s
information sharing and interoperability is the key to the future.
Key words: Smallµ-financial; products and services; small micro-enterprises;
optimization methods; MS banks目 录
IV
目 录
第 1 章 绪论......1
1.1 研究背景及意义.1
1.2 研究内容和方法.3
1.3 研究思路和技术.4
1.4 创新与不足.........5
第 2 章 金融产品服务与小微金融产品理论分析.....6
2.1 金融产品服务概念与内涵.........6
2.2 小微金融国外理论综述.7
2.3 小微金融国内理论综述.9
2.4 产品服务质量评价主要方法分析.......11
2.5 小微金融产品服务现有主要问题.......14
第 3 章 MS 银行上海市分行小微金融服务现状分析 ........16
3.1 MS 银行上海市分行发展状况.16
3.2 MS 银行上海分行小微金融业务开发与产品现状.....20
3.3 小微金融产品运营现有经验总结.......28
3.4 现有小微金融服务现存问题...29
第 4 章 MS 银行小微金融产品服务优化分析 .....
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