支持小企业发展,既是商业银行落实党中央、国务院有关要求,支持实体经济的有力举措,也是优化业务和资产结构、实现战略转型的内在要求。为了更好地助力小企业发展,笔者结合国内银行小企业审批机制的实践,对建立有效支撑小企业贷款业务发展的审批机制进行了思考,并提出相应的建议。商业银行小企业信贷业务审批机制实践小企业贷款管理模式 Supporting the development of small enterprises is not only a powerful measure for commercial banks to implement the requirements of the CPC Central Committee and the State Council and to support the real economy, but also an inherent requirement for optimizing their business and asset structure and achieving strategic transformation. In order to better promote the development of small businesses, the author has taken into consideration the practice of the approval mechanism for small businesses in domestic banks and has made some considerations on establishing an approval mechanism for effectively supporting the development of small business loans. Relevant suggestions have also been put forward. Small Business Credit Approval Mechanism for Commercial Banks Practice Small Business Loan Management