本文基于工业化、城市化进程中国家扶持小微企业发展壮大的历史背景,立足北京市小微金融巨大市场潜力,通过对首都同业小微金融模式的借鉴,特别是对三类代表性模式的对比(信贷工厂模式、专营支行模式、事业部模式),结合我行小微发展模式现状及存在的问题,提出下一步小微模式优化的思路及方案。即:以信贷工厂模式为主线,打造相对独立、职责清晰的小微金融业务管理条线,强化专业化经营,在分支行设置专门的小微金融机构;适当下放权限,对试点中心转授一定的业务权限,派驻专职审查人;流程按照金额不同(例如以1 000万元为界限)分别采用适合零售银行的专业化“信贷工厂”模式以及普通法人流程;加大资源倾斜,提高考核权重,加强人员配备,充分体现小微金融零售银行特点,在防控风险的基础上,充分调动基层业务发展积极性,确保小微金融实现持续稳健发展,为全行信贷结构调整、壮大客户基础作出应有贡献。 Based on the historical background of the growth and development of small and medium-sized enterprises in the process of industrialization and urbanization, based on the huge market potential of small and micro financials in Beijing, this article draws lessons from the small and micro financial models in the capital industry, especially the comparison of the three types of representative models (Credit factory model, franchised branch model and business unit model), combined with the current status and existing problems of our micro and small development model, put forward the ideas and solutions for the next micro and micro model optimization. That is, taking the credit factory model as the main line, building a relatively independent and clearly defined line of management of small and micro financial businesses, intensifying specialized operations and setting up specialized small and micro financial institutions in branches and sub-branches; appropriately delegating authority to the pilot centers Of the business authority, stationed in full-time reviewers; process according to the amount of different (for example, 10 million yuan for the limit), respectively, for the specialization of retail banking “credit factory ” model and common legal processes; increase resources tilt, improve assessment Based on the prevention and control of risks, fully mobilize the enthusiasm of grass-roots business development and ensure the sustained and steady development of small and micro finance, and make adjustments to the bank’s credit structure and strengthen the customer base to make Should contribute.