在中小企业利好政策密集出台之下，小微金融渐成“气候”。银联信最新发布的《中国中小企业金融服务跟踪报告》显示，近期，各家银行针对小微企业贷款，开发创新了各种产品和服务。

In the small and medium-sized enterprise good policy issued under intensive，Small micro financial gradually become“climate”。Union pay letter released《Chinese small and medium-sized enterprise financial service tracking report》shows，recent，Banks for small micro enterprise loans，The development of innovative products and services。

　工行： icbc：

　　“商户经营贷”与票据双管齐下 “Merchant business loans”And bill both

　　工行将更多的目光投向了专业市场，大力推广商品交易市场经营贷款。工行与浙江义乌中国小商品城(600415,股吧)市场等全国20家服装、家纺、钢材、农产品、汽配、塑料等大型商品交易市场签署了战略合作协议。

Icbc will more sights on a professional market，To promote the commodity trading markets business loans。Icbc and zhejiang yiwu China commodity city(600415,Shares it)The market of the country such as 20 to clothing、Home textile、steel、Agricultural products、auto、Plastic and other large commodity trading market signed the strategic cooperation agreement。

　　2012年以来，工行票据营业部积极为中小企业的发展提供票据融资支持，在资金规模优先足额供应的同时，给予资金价格上的优惠倾斜。数据显示，仅2012年前5个月，工行票据营业部就累计办理近360亿元票据转贴现买断融资业务，其中七成以上投向了中小企业。该部积极推广电子票据融资，2012年前5个月买入电子票据达82亿元，帮助中小企业加快了资金周转。

Since 2012，Labour travel notes sales positive for small and medium enterprises to provide financing to support the development of instrument，In the money supply and full scale is preferred，Give capital in the price preferential tilt。Data shows，Only 2012 years ago 5 months，Icbc will deal with total bill sales nearly $36 billion note discount buyout turn financing business，Seventy percent of them to the small and medium-sized enterprises。The ministry will actively promote electronic bill financing，2012 years ago, five months to buy electronic bills of 8.2 billion yuan，Help small and medium-sized enterprises sped up the capital flow。

　交行： Handing in travel：

　　创文化特色银行 And the cultural characteristics of Banks

　　交行在传统零贷、个金交叉营销基础上，通过沃德小企业服务为小企业主高端个人客户提供综合金融服务。包括度身定制理财规划方案，提供“家易通”等便捷的转账结算工具，以及“沃德经营贷”、“沃德易贷”、“易车贷”、“黄金质押贷款”等个人贷款产品，同时为沃德小企业提供“展业通”、“创业一站通”等企业贷款产品，增强沃德小企业服务的市场竞争力。

In traditional zero in the credit、A golden cross marketing basis，Through the ward small businesses for small business owners service high-end individual customers comprehensive financial services。Including tailor-made financial planning scheme，provide“Home to tell”And convenient transfer settlement tools，and“Ward business loans”、“Ward easy credit”、“Easy car loans”、“Gold pledge loan”Personal loan products，At the same time for ward to provide small businesses“ZhanYe the”、“Venture affirmed”Such enterprise loan products，Strengthen ward market competitiveness of small business services。

　　交行常州分行积极搭建银政合作平台，系统内首创“文化特色银行”。特色银行为企业量身定制个性化特色金融服务方案。针对经营规模较大、发展成熟的文化企业，加强投行业务，帮助企业引入风投、私募基金等，引导企业发行债券或进行IPO。针对中小型文化企业，该行进一步创新担保方式创新，引入商标、专利等智权质押，将文化企业的无形资产变成发展的直接推动力。

Changzhou branch in the positive build political cooperation platform of silver，System is the first in“Culture bank”。For the enterprise characteristic bank customize individualized characteristic financial service plan。According to the scale of operation is bigger、The development of enterprise culture mature，To strengthen the investment banking，Help enterprise introducing wind cast、Private equity funds，Guide enterprises to issue bonds or ipos。In view of the small and medium-sized enterprise culture，The bank guarantee further innovation mode innovation，Introducing trademark、Patents and other intellectual right impawn，Will the intangible asset of an enterprise culture into the direct impetus to the development。

　兴业： industrial：

　　打造“绿色金融”经营模式 make“Green financial”Business model

　　兴业银行(601166,股吧)成功开发碳资产评估工具后，国内首发碳资产质押授信业务。以水电项目未来的应收账款(售碳收入)作为质押担保，为项目业主设计了授信方案，并将视项目实际减排量签发和项目运营情况，持续优化授信方案。该行已成为国际国内的知名绿色金融品牌，形成差异化竞争优势。自2006年首笔能效融资项目落地，到2012年一季度末，兴业银行已累计发放绿色金融融资2857笔，金额近1300亿元。

Industrial bank(601166,Shares it)The successful development of carbon assets evaluation tool，Domestic starting carbon assets pledge credit business。With the future of hydropower project accounts receivable(Sell carbon income)As the pledged collateral，For the project owners to design the credit scheme，And will be subject to project the actual reduction issue and project operation conditions，Continuously optimize credit scheme。The bank has become the international and domestic famous brand green finance，Form the differentiation competitive advantage。Since 2006, energy efficiency, the initial financing project be born，To 2012 at the end of the quarter，Industrial bank already accumulative total issued green finance financing 2857 pen，Amounted to nearly 130 billion yuan。

　民生： The livelihood of the people：

　　集结小商户 推出“云融资” Small businesses was launched“Cloud financing”

　　2012年初，民生银行(600016,股吧)董事长董文标提出，民生银行要把成千上万的小商户集中起来，实现客户整合，做成城市商业合作社，实现抱团发展、合作多赢、共同超越。之后，民生银行协同上海长宁区政府共同成立了“小微企业城市商业合作社”，成为民生银行第一家城市商业合作社。

In early 2012，Minsheng bank(600016,Shares it)The chairman DongWenBiao put forward，Minsheng bank to hundreds of thousands of small businesses concentrate，Realize customers to integrate，To make urban commercial cooperative，Realize BaoTuan development、Cooperation to win more、Common beyond。after，Shanghai changning district government coordination of bank of the people's livelihood jointly established“Small micro enterprise city commercial cooperative”，Become the first city commercial bank of the people's livelihood cooperative。

　　民生银行与XTools通力打造的云融资服务产品“企贷通”，是国内首款融资服务与云计算技术服务相结合的新兴产品。采用“企贷通”的云服务后，XTools系统将成为链接民生银行和中小企业的一个桥梁，民生银行相关审核人员通过客户使用的XTools系统可以查看申请企业的相关运营状况数据，根据上述数据进行分析、评级、确定贷款额度或增加贷款额度。

Minsheng bank and XTools tongli make cloud financing services products“Enterprises loan the”，Is the first domestic financing service and cloud computing technology service with the combination of new products。the“Enterprises loan the”Cloud services，XTools system will be a link minsheng bank and small and medium-sized enterprise of a bridge，Minsheng bank related the personnel through the use of XTools customers can view of the enterprise application system related operation condition data，Based on the above data for analysis、rating、Sure loans or increase the loans。

　南京银行(601009,股吧)： Nanjing bank(601009,Shares it)：

　　抢滩小微金融债 Small JinRongZhai subordinate to micro

　　南京银行是首批进入全国银行间债券市场的城市商业银行之一，在资金业务方面具备较强的竞争力。因此，南京银行理财产品线相对比较单一，集中在低风险的理财产品上，以金梅花品牌著称，取得不少低风险偏好投资者的青睐。即使在债市比较暗淡的时期，该行债券资产会保持28%的比例附近，不会继续降低，使得南京银行的这一传统优势得以长期延续下来，在所有城商行中独树一帜。

Nanjing bank is one of the first to enter the national inter-bank bond market is one of the city commercial bank，In the capital business have strong competitiveness。so，Nanjing bank financial product line is relatively single，Focused on the low risk financial products，To JinMei flower is famous for its brand，Get a lot of low risk preference investors。Even in the bond market is bleak period，The bank bonds will keep 28% of assets near proportion，Will not continue to reduce，Make the traditional nanjing bank advantage has long existed down，In all its city firm。

　　另外，南京银行获批在全国银行间债券市场公开发行不超过50亿元人民币金融债券，所募集资金将全部用于发放小微企业贷款。金融债券发行结束后，将按照相关监管规定在全国银行间债券市场交易流通。

In addition，Nanjing bank approved in the national inter-bank bond market public issuance of not more than 5 billion yuan RMB financial bonds，Raised in the funds will be used solely for the issuing small micro enterprise loans。After the financial bond issue，According to the relevant regulations will be in the national inter-bank bond market circulation。

　　同时，南京银行推出“鑫动力”和“鑫智力”系列产品，旨在针对小微企业和科技型小企业实施专业化的金融服务。

At the same time，Nanjing Banks offer“Xin power”and“Xin intelligence”Series products，Aimed at small micro enterprise and science and technology implementation of professional financial services for small businesses。

　　银联信总经理符文忠说，在利率市场化推进过程中，银行资本开始重新发现小微企业的价值。为此，各商业银行应加快转变发展方式，合理调整资产结构，加大对中小企业的支持力度。具体说来，商业银行必须尽快调整业务模式，大力发展风险权重较低、资本占用较少、综合回报较高的业务，不能再一味地靠规模的扩张以及“粗放型”的经营模式取胜。他说，“加大对小微企业信贷投放力度，将成为商业银行业务发展的不二选择。” 记者 陈宁

Union pay letter FuWenZhong general manager said，In the interest rate marketization of the process，Bank capital began to find little micro of enterprise value。For this，Commercial Banks should speed up the development mode of change，Rationally adjust the assets structure，Increase support to small and medium-sized enterprises。In practical terms，Commercial Banks must adjust the business model as soon as possible，Vigorously develop the risk weight is low、Capital takes up less、Comprehensive high return business，Can't blindly on the scale expansion and“extensive”Business model to win。He said，“Increasing the supply of credit to small micro enterprise strength，Will become commercial bank business development's first choice。” Reporter ChenNing