关注中小企业的金融需求不只是一种社会责任,更是银行实现自身业务转型的必然选择。近几年,各家商业银行都越来越重视中小企业这块市场蛋糕,不断研发新产品,调整服务格局,以期拥有中小企业市场的更大份额。比如工行截至2009年10月建成的第一批小企业金融业务专业支行就达到了231个、小企业金融业务机构338个;宁波银行、南京银行等城商行更是把中小企业作为自己的主阵地;“小额贷”、“增值贷”、“成长型经营业 Concerned about the financial needs of SMEs is not only a social responsibility, but also the inevitable choice for banks to achieve their own business transformation. In recent years, various commercial banks are paying more and more attention to this market cake for small and medium-sized enterprises, continuously developing new products and adjusting service pattern in the hope of having a larger share of the SME market. For example, as of October 2009, ICBC built the first batch of small business financial professional branches to reach 231 and small business financial institutions 338; city commercial banks such as Ningbo Bank and Nanjing Bank even regarded small and medium-sized enterprises as their main battlefield ; ”Small loans“, ”value-added loans“, ”growing business."