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【编者按】李克强总理在今年的政府工作报告中大篇幅提及服务实体经济,尤其指出“小微企业融资难、融资贵问题突出”。小微企业占我国企业总数的95.6%,是国民经济的生力军。然而,由于小微企业贷款具有信息不对称、风控难等特点,长久以来为“融资难、融资贵”问题所困。近年来,我国商业银行一直努力寻求小微企业融资破解之道,通过业务、服务创新为小微企业提供快捷、低成本的金融服务。但从世界范围看,解决小微金融服务一直是难点所在,单纯依靠商业银行难以根本解决问题,构建全方位的小微金融服务体
[Editor’s note] In his government work report this year, Premier Li Keqiang made extensive speeches on serving the real economy. He pointed out in particular that “the financing of small and micro enterprises is difficult and the problem of financing is outstanding.” Small and micro enterprises account for 95.6% of the total number of enterprises in our country and are the new force of the national economy. However, due to the characteristics of asymmetric information and difficult wind control, the small and micro enterprise loans have long been stuck in the problem of “financing difficulties and high financing costs.” In recent years, China’s commercial banks have been striving to find ways to solve the financing problems of small and micro enterprises, providing fast and low-cost financial services to small and micro enterprises through business and service innovation. However, judging from a global perspective, it has always been difficult to solve the small and micro financial services. It is difficult for commercial banks to simply solve the problems and to build a comprehensive small and micro financial services