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摘要
小微企业虽然规模较小，但是运营模式灵活，而且具有卓越的创新潜力，现阶段已
经成为我国市场逐步繁荣的根基，甚至为扩大就业创设了良好的条件。然而，纵观中国
小微企业的发展现状，表现出市场风险抵抗力差、信用指数不高、融资难度大的问题，
因此小微企业由于企业规模和资产质量等方面的原因，受到金融界的岐视和排挤。也正
因为如此，我国小微企业的融资常常面临“难”且“贵”的问题，严重影响了小微企业的稳
定与持续发展。现阶段，全球化不断扩大，经济领域的竞争日益严峻，不管是大企业，
还是小企业，都面临着较大的挑战，尤其是小微企业遇到的困境最为突出。在这种情况
下，国家推出了普惠金融政策，让各类银行业金融机构看到了普惠金融的优越性，然后
积极发展普惠金融业务，商业银行也不例外，而在融资难的形势下分析商业银行普惠金
融对支持小微企业的健康发展的路径就显得至关重要。然而，令人惊喜的是，作为一种
国家级政策规划的金融类型，普惠金融为弱势群体和弱势产业提供了良好的信贷业务，
同时也优化了市场消费结构和产业结构，为整个金融行业带来了生机勃勃的发展景象。
本文以研究解决小微企业融资问题为最终目标；其次，通过综合分析，不仅找出小
微企业融资面临的难题，还以 J银行 K分行为例，深入了解小微企业融资的实践情况；
再次，针对 J银行 K分行小微企业融资问题，探讨了引发小微企业融资问题的根源；最
后，经过综合研究，由点到面，层层分析，总结经验，探究并且解决小微企业融资问题
的基本方法。在研究内容上，首先介绍了主要概念及理论的界定，进而讨论我国商业银
行小微企业信贷业务的特点和影响因素，之后分析 J银行 K分行小微企业信贷业务的现
状，包括对小微企信贷业务存在的问题及其根源的分析等，最后研究 J银行 K分行小微
企业信贷业务的优化与保障方法。
关键词：小微企业；信贷业务；客户满意
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ABSTRACT
Although small and micro enterprises have a small scale, their operation mode is flexible and have
excellent innovation potential. At this stage, they have become the foundation for the gradual prosperity of
China's market and even created good conditions for expanding employment. However, looking at the
development status of China's small and micro enterprises, it shows the problems of poor market risk
resistance, low credit index and great financing difficulty. Therefore, small and micro enterprises are
discriminated and excluded by the financial community due to enterprise scale and asset quality. Because
of this, the financing of small and micro enterprises in China often faces the problem of "difficult" and
"expensive", which seriously affects the stability and sustainable development of small and micro
enterprises. At this stage, with the continuous expansion of globalization and increasingly severe
competition in the economic field, both large and small enterprises are facing great challenges, especially
the plight of small and micro enterprises. In this case, the state has launched the inclusive financial policy,
so that all kinds of banking financial institutions can see the advantages of Inclusive Finance, and then
actively develop inclusive financial business, including commercial banks. Under the situation of financing
difficulties, it is very important to analyze the path of Inclusive Finance of commercial banks to support the
healthy development of small and micro enterprises. However, what is surprising is that as a financial type
of national policy planning, inclusive finance not only provides good credit business for vulnerable groups
and industries, but also optimizes the market consumption structure and industrial structure, bringing a
vibrant development scene to the whole financial industry.
The ultimate goal of this paper is to study and solve the financing problems of small and micro
enterprises; Secondly, through comprehensive analysis, we not only find out the difficulties faced by small
and micro enterprises in financing, but also deeply understand the practice of small and micro enterprises
financing by taking the k-point behavior of bank J as an example; Thirdly, aiming at the financing problems
of small and micro enterprises in K branch of bank J, this paper discusses the root causes of the financing
problems of small and micro enterprises; Finally, through comprehensive research, from point to area, layer
by layer analysis, summarizing experience, this paper explores the basic strategies to solve the financing
problems of small and micro enterprises. In terms of research content, it first introduces the definition of
III
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