本文选取 H 商业银行为研究对象，采用案例分析法、比较分析法、文献
分析法与定性分析法等方法，对国内外有关商业银行小微企业信贷服务的文H 商业银行小微企业信贷服务优化策略研究献资料进行梳理和研读，并对研究涉及的有关理论进行简要的阐述；在此基
础上，以 H 商业银行小微信贷服务为研究对象，进行分析，从中发现制约商
业银行小微企业信贷优化的问题；同时对 H 商业银行小微企业信贷风险加以
分析；并结合有关文献资料及所学专业理论提出相应的优化策略，即：建立
健全小微企业信贷风险保障机制，加强小微企业信贷业务的贷前调查，贷款
过程中加强对小微企业贷款审查，完善小微企业信贷贷后管理 ；银行实行
差异化管理，提高服务效率，提高小微企业信贷服务水平，完善对小微企业
的信贷服务，开办小微企业融资超市、微小贷，增加小微企业票据融资等等，
为解决小微企业融资难、贷款难的问题提供帮助，为 H 商业银行小微企业信
贷服务优化提供策略，为小微企业能够有效的解决好融资难的问题提供帮
助，为在今后对商业银行小微企业信贷服务优化方面的研究提供一些参考做
出贡献
关键词：小微企业； 小微企业信贷； 服务优化AbstractAbstract
Small micro-enterprise is reform of results and product, small
micro-enterprise in economy of development process in the up to has important
role, for national increased has tax, provides has many employment and venture of
post, maintenance has economic and social of stable, promoted has technology
innovation, enhanced has market of development potential and market products of
replacement, many of small micro-enterprise in development process in the,
gradually of grow growth up, in products independent development, and process
optimization and market marketing, aspects are for has many of innovation and
development, Small and micro enterprises have become a force to be reckoned the
economic development, due to small and micro businesses set up time is shorter,
smaller enterprises, economic foundation is weak, there is no strong ability to
withstand market risks, and more difficulty in financing, small business growth
and development to solve the problem of financing. Often takes the market
economy driven by commercial banks provide financing services for large and
medium sized enterprises, ignored credit support to small and medium enterprises
and management, small and micro enterprise loans problem is particularly serious.
Meanwhile, many local commercial bank credit business start-up financing for
small and micro businesses, economic development has been obtained good social
benefits, make a contribution to support local economic construction. But, in small
micro-enterprise credit management Shang also appeared has many problem, as:
small micro-enterprise loan appeared late, and loan uses inconsistent, and
borrowing people credit low, and small micro-enterprise credit loan Qian survey
service enough detailed, loan approval service Shang to be perfect and loan Hou
track missing and so on, are in is big degree Shang effect with commercial banks
small micro-enterprise credit service quality of upgrade, caused commercial banks
small micro-enterprise credit management problem of appeared, makes
commercial banks of small micro-enterprise credit management risk, and credit
risk, constantly of increased, Seriously affects the quality of credit assets of
commercial banks and improvement of quality of service. Commercial Bank howResearch on Optimization Strategies of Small and Micro Enterprise credit service of the H Commercial Bankto effect in the optimization of small and micro enterprise credit services for small
and micro enterprise credit risk continued credit services for small and micro
enterprises for optimization and improvement has become a top priority.
Paper selected h commercial banks for research object, used case analysis
method, and compared analysis method, and literature analysis method and
qualitative analysis method, method, on small micro-enterprise get credit support
of theory for briefly recalled, integrated abroad about small micro-enterprise credit
support of literature information, through on h commercial banks on small
micro-enterprise credit management status for analysis, from found restricted
commercial banks small micro-enterprise credit optimization of problem; while on
h commercial banks small micro-enterprise credit risk be analysis; And combined
about literature information and the by learn professional theory proposed
corresponding of optimization strategy, that: established sound small
micro-enterprise credit risk guarantees mechanism, strengthening small
micro-enterprise credit business of loan Qian survey, loan process in the
strengthening on small micro-enterprise loan review, perfect small
micro-enterprise credit loan Hou Management; Bank implemented differences of
management, improve service efficiency, improve small micro-enterprise credit
service level, reasonable determine small micro-enterprise loan term, active
innovation small micro-enterprise credit service mode, opened small
micro-enterprise financing supermarket, and tiny loan, Increase small business Bill
financing and so on, to solve the financing problems of small and micro
enterprises, loans provide help, h small micro-enterprise credit service of
commercial bank.
Keywords: Small and Micro Enterprises; Credit; Service Optimization目录目录
1 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 国内外研究现状.......3
1.2.1 国外研究现状.....3
1.2.2 国内研究现状....4
1.3 研究思路和方法........5
1.3.1 研究思路5
1.3.2 研究方法6
1.4 创新与不足之处.......6
1.4.1 创新之处6
1.4.2 不足之处6
2 相关理论基础.... 7
2.1 小微企业概念及信贷特点...7
2.1.1 小微企业界定....7
2.1.2 小微企业信贷业务特点..
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