平安银行支持小微企业融资分析内 容 摘 要中国经济步入新常态，不断加快的产业调整对商业银行提出了更高要求，一方面，互联网金融的迅速普及，为客户提供了更多选择，另一方面，小微金融具有的风险分散、资金占比小、利率空间大等众多优势逐步显现，为巨大经营压力下的商业银行，展现了一片崭新的蓝海。基于此背景，平安银行迅速展开了针对小微业务的战略布局，相关体系渐具雏形，但面对日新月异的小微金融领域，平安银行并未做到引领同业，许多方面的短板显现，严重制约了平安银行在行业中更进一步。本文着眼于平安银行开展小微企业融资的现状，探索其在业务开展过程中暴露的种种问题，寻求根源，并在此基础上，研究解决对策，提出平安银行支持小微企业融资的具体措施，从而解除小微企业的融资困境，同时提高平安银行在小微金融中的盈利能力，实现银行和企业共同进步、共同发展，为中国经济的可持续发展提供充足动力。关键词：小微金融；平安银行；企业融资 Research on Ping An Bank of Supporting Small And Micro Enterprises FinancingAbstractAccelerating industrial adjustment had put forward higher requirements for commercial banks with China's economy into the new normal. On the one hand, the rapid spread of Internet banking provided customers with more choices. On the other hand, the risk of small micro finance scattered, small proportion of funds, interest rates and other large number of space and other advantages appear gradually for commercial banks under the pressure of a huge business showing a broad space. Based on this background, Ping An Bank quickly launched a strategic layout for small and micro business with the relevant system gradually taking shape. But in the face of the rapid development of small and micro finance, Ping An Bank did not lead the industry, with many aspects of the short board, seriously restricting the Ping An Bank in the industry further.This paper focused on the current situation of small and micro enterprises financing in Ping An Bank, ...
