湖北省商业银行小微企业金融服务研究摘 要为探寻小微企业发展过程中融资难、金融风险、信贷风险管理等主要问题，找到解决商业银行服务小微企业模式的一条创新型途径，运用实证及归纳分析的方法对湖北省小微企业发展的优势与不足以及商业银行金融服务体系的不足进行分析。商业银行服务于小微企业的模式中存在融资渠道单一、融资成本高、、信贷资金回收困难等问题。本文从构建互联网大数据平台、健全信贷风险信息系统、加强流程创新、开发互联网+专属信贷产品等角度探析出了一条互联网景荣支持小微企业发展模式的创新型路径。关键词： 小微企业，商业银行，信贷风险，互联网金融Commercial Banks to Small Micro Enterprise Financial Services Research in HuBei ProvinceABSTRACT To explore in the development of small micro enterprise financing difficulties, the financial risk, credit risk management, and other major problem and find a solution to the commercial bank service small micro enterprise mode of an innovative way, using the method of empirical and inductive analysis advantages and problems of small micro enterprises development in hubei province and analyzed the deficiency of the commercial bank financial services system. Commercial bank service Yu Xiaowei enterprise mode of single financing channel, high financing costs, such as, credit funds recycling difficult problem. This article from the build Internet big data platform, improve the credit risk information system, strengthen the process innovation, the development of Internet + exclusive credit products such as to discuss out a interconnected netscape veterans support small micro enterprise development mode of innovative path.KEYWORDS：small micro enterprises, Commercial Banks,Credit risk, Internet financial目 录1 导论..............................................................11.1 本课题的研究目的及意义......................................11.1.1 研究的目的..........................................
