目前,中小企业在推动社会经济的发展、同时吸纳就业、提高了财政的收入、对社会稳定和对外开放方面具有重要的作用,由于对经济增长的贡献度的上升,造成商业银行将中小企业的信贷业务作为发展的战略性目标。未来银行新的利润增长点在于发展中小企业信贷业务,其主要的依据是中小客户贷款中间的业务收益水平较高和议价能力强的特性来决定的。根据国内银行全面对外开放的条件下,由于利率市场化的推进、融资迅猛的发展,商业银行客户结构调整为发展中小企业客户。 At present, SMEs play an important role in promoting social and economic development, absorbing employment and raising fiscal revenue. They play an important role in social stability and opening to the outside world. As the contribution to economic growth has risen, SMEs have turned small and medium-sized enterprises Credit business as a strategic goal of development. The new profit growth of the bank in the future lies in the development of SME credit business, which is mainly determined by the higher level of business benefits and bargaining power among small and medium-sized customers. Under the conditions of full liberalization of domestic banks, due to the marketization of interest rates and the rapid development of financing, the structural adjustment of commercial banks for the development of small and medium-sized enterprise customers.