中小企业“融资难”问题一直被认为是制约中小企业发展的瓶颈因素之一。本文以内蒙古鄂尔多斯市为例研究,认为大型商业银行在中小企业金融业务中应发挥重要的作用。但大型商业银行拓展中小企业信贷业务存在体制上和操作流程上的诸多制约因素。因此,大型商业银行应积极探索适合中小企业信贷的体制和机制,并从操作流程上规范中小企业信贷业务。 SME “financing difficulty ” has been considered as one of the bottlenecks restricting the development of SMEs. This article takes Erdos City in Inner Mongolia as an example to study that large commercial banks should play an important role in the financial business of SMEs. However, there are many constraints on the system and operation flow of large-scale commercial banks in expanding SME credit business. Therefore, large commercial banks should actively explore the system and mechanism suitable for the credit of SMEs, and standardize the credit business of SMEs from the operational flow.