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金融供给不足是制约农业小微企业发展的重要因素。主要表现为服务网点和人员少且分布不均、融资风险与成本呈双高、金融服务品种和功能单一,究其主要原因在于国有商业银行经营理念、内部治理机制陈旧,产品开发能力差创新不足。要改善农业小微企业金融供给,国有商业银行须切实强化农业小微企业信贷服务观念;注重信息技术运用、优化业务操作流程经营服务差异化策略;提升产品服务创新能力树立特色品牌形象;建立小微企业客户评价体系和完善内部治理。
The lack of financial supply is an important factor restricting the development of agricultural small and micro enterprises. Mainly due to the small number of service outlets and their uneven distribution, the financing risks and costs are double high, and the varieties and functions of financial services are single. The main reason is that the business philosophy of state-owned commercial banks, outdated internal governance mechanisms, and insufficient innovation in product development . To improve the financial supply to agricultural small and micro enterprises, the state-owned commercial banks must earnestly strengthen the credit service concept of agricultural small and micro enterprises; pay attention to the application of information technology, optimize the business operation flow differentiation strategy; improve the product and service innovation ability to establish the characteristic brand image; Micro-enterprise customer evaluation system and improve internal governance.