如何发挥差异化经营的特色和优势,更好地满足地方小微实体经济的融资需求,不断提高经营管理效益和风险管理水平,是新形势下推进小额信贷持续稳健发展面临的难题,也是城商行借此成功实现经营转型的关键。坚守差异化、特色化发展市场定位,不忘“服务地方经济、服务小微企业、服务城乡居民”的创立初心,是城商行经营发展根本导向。哈尔滨银行长期坚持小额信贷战略,走出了一条差异化、特色化 How to make full use of the characteristics and advantages of differentiated management to better meet the financing needs of the local small and micro-entity economy and continuously improve the efficiency of operation and management and the level of risk management is a difficult problem in promoting the sustained and steady development of microfinance under the new situation. The key to the success of the transformation of business management. Adhere to the differentiation and characterize the development of market positioning, did not forget “to serve the local economy, serving small and micro-enterprises, urban and rural residents serving” the initial heart, is the city business development and management of the fundamental direction. Harbin Bank long-term adherence to the micro-credit strategy, out of a differentiated and characteristic