小微企业发展对稳增长、调结构、保就业、惠民生具有重要意义,是股份制商业银行实现自身发展与服务实体经济的有力途径。由于小微企业分布广、数量多,在银企之间存在“信息不对称、担保不充分”难题。近年来,华夏银行积极响应国家创新驱动发展战略,以“中小企业金融服务商”为战略定位,创新打造“精准营销、平台对接、链式开发”的平台金融发展模式。通过“互联网+”方式改造传统企业,打造出多方共赢的优质服务。围绕“双创”工作,不断探索科技金融 The development of small and micro enterprises is of great significance to steady growth, structural adjustment, employment protection and people’s livelihood, and is a powerful way for joint-stock commercial banks to realize their own development and serve the real economy. As the small and micro enterprises are widely distributed and in large numbers, there exists the problem of “information asymmetry and insufficient guarantee” between banks and enterprises. In recent years, Huaxia Bank has actively responded to the national innovation-driven development strategy and “SME Financial Service Providers” as a strategic positioning to create a platform-based financial development model of “precision marketing, platform docking and chain development”. Through the “Internet + ” way to transform traditional enterprises, to create multi-win-win quality service. Around the “double create ” work, continue to explore science and technology finance