当前,商业银行积极发展小微企业互联网贷款业务,一般以全流程在线、全自动审批、信用融资、长尾覆盖为主要特征,意在实现小微金融服务与风险防范的均衡发展。营业管理部就小微企业互联网贷款业务开展情况,对北京地区中资商业银行进行了问卷调查,针对存在问题,提出政策建议。一、商业银行小微企业互联网贷款快速发展 At present, commercial banks actively develop the internet loan business for small and micro enterprises, and are generally characterized by full-process online, fully automated approval, credit financing and long-tail coverage, with the aim of achieving a balanced development of small and micro financial services and risk prevention. The business management department conducted a survey on the Internet loan business of small and micro enterprises, conducted a survey on Chinese commercial banks in Beijing, and put forward policy suggestions in the light of the existing problems. First, commercial banks Small and micro enterprises rapid development of Internet loans