【正文】 s and case analysis, the establishment of small and mediumsized enterprise financing industry features and requirements of the former questionnaire, surveyed the jincheng area 400 small enterprise customers, and USES the basic method of mathematical statistics are analyzed, the results for the city mercial bank39。 Innovation in product structure, to mortgage, pledge, and credit loan and so on has carried on the prehensive innovation, and develop a long xiang borrow the petitive core credit products such as。 The third part of the construction bank in jincheng area as an example, according to bank of more than two thousand small micro enterprise customer has carried on the investigation and analysis. In hire professional consultants, on the basis of detailed questionnaire was designed, and has carried on the statistics and analysis of the results of the survey, from the basic situation, the management present situation and the financing situation of small micro enterprise business characteristics and systematically analyzes the current financing environment, for small micro enterprise financing model building to provide data support。本文采用調(diào)查研究、案例分析相結合的思路，構建國有商業(yè)銀行小微企業(yè)融資服務模式，既是對小微企業(yè)融資模式的有益探索，也是對國有商業(yè)銀行核心競爭力構建的有效補充。本文結合調(diào)查分析法和案例分析法，建立小微企業(yè)融資行業(yè)特征和需求特征的調(diào)査問卷，對山西某地區(qū)400家小企業(yè)客戶進行了調(diào)查，并采用基本的數(shù)理統(tǒng)計方法對結果進行了分析，為國有商業(yè)銀行總體發(fā)展戰(zhàn)略和業(yè)務發(fā)展思路提供了一個新的研究視角。第五部分提出國有商業(yè)銀行小微企業(yè)金融創(chuàng)新的舉措，并總結未來關于小微企業(yè)金融創(chuàng)新的研究展望。融資服務模式的目標是為了做大做強區(qū)域市場內(nèi)國有商業(yè)銀行的小微金融業(yè)務。第一部分對本文的研究背景和意義進行了充分的論證，系統(tǒng)分析了當前國有商業(yè)銀行發(fā)展小微企業(yè)的重要性、必要性和必然性；第二部分在對相關概念進行界定的基礎上，明確了本文的研究對象小微企業(yè)的具體界定和劃分，進一步對國有商業(yè)銀行創(chuàng)新小微企業(yè)融資服務模式的動因進行了分析，為國有商業(yè)銀行發(fā)展小微企業(yè)，創(chuàng)新小微金融服務提供理論和現(xiàn)實支持；第三部分以山西某地區(qū)建設銀行為例，針對銀行400多個小微企業(yè)客戶進行了調(diào)查分析。在國內(nèi)金融體制改革、金融市場化、金融脫媒等體制機制再造的變革時期，如何有效地服務小微企業(yè)，做強做精區(qū)域市場，是國有商業(yè)銀行迫切需要解決的問題。這些生命力頑強的小微企業(yè)客戶群體，是銀行業(yè)金融機構群雄逐鹿的重要群體。國有商業(yè)銀行小微企業(yè)金融服務模式創(chuàng)新研究——以中國建設銀行山西某分行為例摘要根據(jù)世界銀行的統(tǒng)計數(shù)據(jù)，截止到2015年底，我國的小微企業(yè)占據(jù)我國企業(yè)總數(shù)的64%。小微企業(yè)的發(fā)展適應了當前我國經(jīng)濟的發(fā)展趨勢，為我國經(jīng)濟發(fā)展做出了巨大的貢獻，但是小微企業(yè)在我國生存卻很艱難。特別是國有商業(yè)銀行受規(guī)模有限、地域限制、監(jiān)管嚴控和自身的公司治理等因素，發(fā)展小微企業(yè)更為迫切，對于小企業(yè)的融資服務模式創(chuàng)新需要更加及時和快速。本文的研究分為五個部分。在咨詢專業(yè)機構的基礎上，設計了詳盡的調(diào)查問卷，并對調(diào)查結果進行了統(tǒng)計和分析，從基本情況、經(jīng)營現(xiàn)狀和融資現(xiàn)狀三個方面對小微企業(yè)經(jīng)營特征和融資環(huán)境進行了系統(tǒng)分析，為小微企業(yè)融資服務模式構建提供數(shù)據(jù)支持；第四部分構建了創(chuàng)新性的國有商業(yè)銀行小微企業(yè)融資服務模式。借鑒和吸收富國銀行事業(yè)部制度改革的先進經(jīng)驗，分行業(yè)成立行業(yè)金融部，在對行業(yè)進行深入研究的基礎上，從行業(yè)規(guī)模、資產(chǎn)負債狀況、利潤率等方面綜合考慮和設計金融產(chǎn)品，并設立專門的小微企業(yè)信貸服務部，為小微企業(yè)提供量身定制的服務；在產(chǎn)品結構創(chuàng)新方面，對于抵押擔保、質(zhì)押擔保和信用貸款等方面進行了全面創(chuàng)新，并開發(fā)出具有競爭力的核心信貸產(chǎn)品；在資源結構優(yōu)化方面，外部充分挖掘市民銀行的地位，整合國有商業(yè)銀行在區(qū)域內(nèi)的資源，內(nèi)部調(diào)整人力資源管理模式，對內(nèi)外部資源進行重新整合。本文的創(chuàng)新主要有：（1）研究視角創(chuàng)新。（2）研究思路創(chuàng)新。關鍵詞：小微企業(yè)；國有商業(yè)銀行；金融創(chuàng)新AbstractAccording to world bank statistics, more than in the years of our country small and mediumsized enterprises occupy the total number of enterprises in our country. The development of small and mediumsized enterprises to adapt to the current trend of the development of economy in our country, made great contribution to the economic development of our country, but the survival of small and mediumsized enterprises in our country is very difficult. The tenacious vitality of small and mediumsized enterprise customer group, is one of the important groups highlighting Chinese banking financial institutions. Especially the city mercial bank limited, regional restrictions, regulatory scrutiny and their corporate governance factors, such as the development of small micro enterprise more urgent, for small businesses financing service mode innovation needs to be more timely and quickly. In the domestic financial system reform, financial liberalization and financial disintermediation institutional reengineering revolution period, how to effectively service for small and mediumsized enterprises, and stronger to do fine regional markets, is the city mercial bank is an urgent need to solve the problem.service mode are analyzed, and small micro enterprises to the development of the city mercial Banks innovation small micro financial services to provide theoretical and practical support。 The fourth part constructs the innovative city mercial Banks small micro enterprise financing mode. Financing service mode of the goal is to bee bigger and stronger regional market inner city firm small micro financial business. Draw lessons from and absorbs the advanced experience of minsheng bank division system reform, set up industry finance, in the industry, on the basis of indepth study, from the industry scale, balance sheets, profit margins and so on prehensive consideration and design of financial products, and set up a special small micro enterprise credit service, and provide customized services to small enterprises。 In terms of resource structure optimization, external tap citizens bank status, integration of city mercial Banks in the areas of resources, internal adjust the human resource management models, to integrate internal and external resources. The fifth part puts forward small micro enterprise financial innovation in stateowned Banks, and summarizes the future prospect of research on small micro enterprise financial innovation.This article39。s overall development strategy and business development provides a new research perspective. (2) the research idea innovation. Based on the investigation and research, case analysis with the bination of ideas, build small micro enterprise financing mode, stateowned Banks is not only the beneficial exploration for small and mediumsized enterprise financing model, is a core petitiveness of city mercial Banks to build effective supplement.Keywords: small micro enterprises。 Financial innovation目 錄摘 要 1第一章 緒論 6一、研究背景與意義 6二、研究內(nèi)容與方法 7三、研究創(chuàng)新與不足 8第二章 理論基礎與文獻綜述 8一、相關概念界定 8二、國有商業(yè)銀行小微企業(yè)金融服務模式創(chuàng)新的動因 10三、國內(nèi)外文獻綜述 11第三章 國有商業(yè)銀行小微企業(yè)客戶融資需求的調(diào)查分析 13一、調(diào)查問卷的設計 13二、調(diào)查結果的統(tǒng)計與分析 15三、調(diào)查問卷結果分析 18第四章 中國建設銀行山西某分行小微企業(yè)金融服務模式 19一、建設銀行某分行小微企業(yè)金融服務的現(xiàn)狀分析 19二、制約建設銀行某分行小微企業(yè)金融服務創(chuàng)新的因素 22三、促進建設銀行某分行小微企業(yè)金融服務創(chuàng)新的機遇 24第五章 現(xiàn)階段國有商業(yè)銀行小微企業(yè)金融服務創(chuàng)新的路徑選擇 26一、西方國家商業(yè)銀行金融服務創(chuàng)新的典型案例 26二、國有商業(yè)銀行創(chuàng)新發(fā)展的路徑選擇 31三、結束語 34參考文獻 35附錄 38第一章 緒論一、研究背景與意義（一）研究背景眾所周知，山西省一直以來以煤炭聞名，一直以資源大省定位自己在全國的戰(zhàn)略地位，一直以曾經(jīng)為全國經(jīng)濟建設做出的巨大貢獻彪炳史冊，但隨著煤炭資源的日益減少，以資源型經(jīng)濟為主要特色的山西經(jīng)濟開始陷入了一個必然的困境，這個必然性首先體現(xiàn)在以高投入、高消耗、低質(zhì)