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为了更好的服务小微企业,近年来中国工商银行根据小微企业融资“短、频、急、少”的特点,不断开发小微企业的专属信贷产品。本文着重分析小微企业信贷产品现状,介绍了中国工商银行小微企业信贷产品开发模式和创新经验。
In order to better serve the small and micro enterprises, in recent years, Industrial and Commercial Bank of China has been developing proprietary credit products for small and micro enterprises based on the characteristics of “short, frequent, urgent and few” financing for small and micro enterprises. This article focuses on the analysis of the status quo of small and micro enterprises credit products, introduced the ICBC small and micro enterprise credit product development model and innovative experience.