本文从解决银企信息不对称入手,通过分析大型银行在处理小微企业软信息方面的劣势,同时总结大型银行在小微信贷领域的成功实践,剖析几个成熟商业模式各自特点及局限性,提出了应用推广相关商业模式的建议。按传统公司模式开展小微信贷业务,大型银行在处理软信息方面存在先天不足,但可通过专业化经营、采用打分卡模式或开展资产支持融资等方式有效克服前述劣 This paper begins with the solution of information asymmetry between banks and enterprises, analyzes the disadvantages of large banks in handling soft information of small and micro enterprises, sums up the successful practice of large banks in the field of small and micro credit, analyzes the characteristics and limitations of several mature business models, Proposed application of the relevant business model to promote the proposal. According to the traditional corporate model to carry out small and micro credit business, large banks have inherent deficiencies in handling soft information, but can effectively overcome the aforementioned disadvantages through specialized management, using the scorecard mode or carrying out asset-backed financing