G20峰会上有句名言:如果能找到一把钥匙让全世界增加就业,解决贫困,走出金融危机,那么这把金钥匙一定是中小企业的良性发展。中小企业对中国经济的意义深远,有统计数据显示:占中国企业总数90%的中小企业每年创造出的国内生产总值55%,为财政创收提供了一半的来源,并成为带动中国出口和解决就业问题的强大力量。但长期以来,资金短缺问题一直困扰着我国中小企业的发展。随着2012年初“两会”的召开,民营企业融资困难的问题再次提上日程并成为广泛关注的热点。本文力求以全新的视角探讨商业银行中小企业信贷业务的新模式——产业链融资。 There is a famous saying at the G20 summit: If we can find a key to increasing employment, resolving poverty and going out of the financial crisis in the world, then the golden key must be a benign development for SMEs. Statistics show that SMEs account for 55% of China’s GDP each year, accounting for 90% of the total number of Chinese enterprises, providing half of the revenue for fiscal revenue and becoming the driving force for China’s exports and settlement The power of employment issues. However, for a long time, the problem of shortage of funds has plagued the development of SMEs in our country. With the convening of the “two sessions” in early 2012, the issue of financing difficulties for private enterprises was put on the agenda once again and became a hot spot of widespread concern. This article seeks a new perspective to explore a new model of commercial banks SME credit business - industry chain financing.