小微企业是我国经济中最活跃,最有生机的力量,在稳定增长、扩大就业、促进创新、繁荣市场和满足人民群众需求等方面,发挥着极为重要的作用。然而融资难的问题却一直困扰着小微企业的发展。本文结合我国商业银行的现状,分析了商业银行转型的必要性和限制小微金融发展的瓶颈,探讨了商业银行到底该如何涉入小微企业这片蓝海。这对商业银行做好小微金融工作,支持小微企业良性发展,具有十分重要的战略意义。 Small and micro enterprises (SMEs), the most dynamic and viable force in our economy, play an extremely important role in stabilizing growth, expanding employment, promoting innovation, boosting markets and meeting the needs of the people. However, the problem of financing difficulties has plagued the development of small and micro enterprises. Based on the status quo of commercial banks in our country, this paper analyzes the necessity of commercial banks’ transformation and limits the bottleneck of the development of small and micro finance. It explores how the commercial banks are involved in the blue sky of small and micro enterprises in the end. This is a very important strategic significance for commercial banks to do small and micro financial work and support the sound development of small and micro enterprises.