近几年来,我国银行业对小企业信贷支持的力度不断增强。但同时,小企业信贷商业可持续发展面临固有体制、机制的挑战,市场失效亟待政府“有形之手”调控,而差异化监管或为当然之举。小企业信贷差异化监管的理由围绕缓解小企业融资难、促进小企业发展等 In recent years, the banking industry in our country has been strengthening the credit support to small enterprises. However, at the same time, the sustainable development of commercial credit for small enterprises is facing the challenge of the inherent system and mechanism. The market failure is urgently needed by the government and the “visible hand” regulation, and the differential regulation is taken for granted. The reasons for the differentiated regulation of credit in small enterprises Focus on alleviating the financing difficulties of small enterprises and promoting the development of small enterprises