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当前,大型银行受提高利润回报、优化信贷结构的驱使,开展小微业务是其战略转型和商业可持续发展的需要;而受大行挤压、基于市场竞争的基本逻辑,中小银行服务小微企业是其自身市场定位和适应环境的需要。商业银行正经历业务转型和风险的阵痛,商业银行需要在转型的步伐与风险之间进行考量和权衡。小微企业融资渠道不畅,金融政策使得小微企业融资困难,加上一些小微企业产品缺少竞争力或市场远景不大,难以在困难时取得资金保障。为了顺利开展经营活动,小微企业转而寻求民间资本的帮助,一些小企业因此陷入高利贷泥潭。
At present, the large banks are driven by improving profitability and optimizing the credit structure. The development of small and micro businesses is a necessary part of their strategic transformation and commercial sustainable development. However, due to the squeeze of large banks and the basic logic of market competition, small and medium-sized banks Enterprises are their own market positioning and adapt to the needs of the environment. Commercial banks are experiencing the throes of business transformation and risk, and commercial banks need to consider and weigh the pace and risks of the transition. Poor financial channels for small and micro enterprises, financial policies made it difficult for small and micro enterprises to finance, coupled with the lack of competitiveness of some small and micro enterprises or the lack of market prospects, making it difficult to obtain financial guarantees in times of difficulty. In order to smoothly carry out business activities, small and micro enterprises instead seek the help of private capital, so some small businesses into the quagmire of usury.