小微金融的战略之路

摘要

小微金融目前正处于重要发展时期，本文对银行业发展小微金融的背景进行了分析，指出其要突破风险防范、成本控制、资源配置等壁垒。提出了企业发展小微金融的方向院明确差异化的战略定位、制定清晰可行的战略方针、找准简便易行的战略抓手、建立高效灵敏的战略支撑体系。%Micro and small finance is now in an important development period. The paper analyzes the background that the bank-ing develops micro and small finance, and points out that the barriers such as the risk prevention, cost control and resources allocation and so on should be broken through. And the paper also puts forward the direction for enterprises to develop the micro and small fi-nance like clarifying the differentiation strategy, constituting clear and feasible strategy, finding simple and easy measures, and estab-lishing efficient and sensitive strategic support system.