为小微企业提供“不一样”的金融服务,是商业银行顺应当前形势,推动金融服务转型的着力点。小微企业是国民经济中最具活力的经济体,不仅提供了充分的就业机会,而且还是产品和服务创新、科技创新的主力军。与大企业相比,小微企业因资金实力差、抵押资产少、经营风险大而面临更严格的信贷约束,小 Providing “different” financial services to small and micro enterprises is the focus of commercial banks in adapting to the current situation and promoting the transformation of financial services. Small and micro-enterprises are the most dynamic economies in the national economy, providing not only full employment opportunities but also the main force in product and service innovation and technological innovation. Compared with large enterprises, small and micro enterprises face more stringent credit constraints due to poor financial strength, less mortgage assets and large operating risks