摘 要
2008 年，民生银行创造性地提出“小微金融”的概念。截止 2011 年底，民生
银行的小微业务规模已突破 2000 亿，小微金融也随之发生了显著变化，主要体现
在：（1）从加速发展进入了均衡发展时期；（2）从我行一枝独秀演变为群雄逐鹿
的态势；（3）从比较激进的模式探索阶段进入到了模式的确立优化阶段。

本文以民生银行成都分行的小微金融客户为研究对象，结合小微企业特点和
民生银行小微金融的核心理念，对银行如何通过产业链金融服务，利用银行信用
增强商业信用，促进企业融资和商业交易活动的有效开展进行了全面阐述。通过
对白酒经销商和超市供应商的特点和需求分析，指出了集群化发展是小微企业提
升竞争力的重要途径，也是小微金融商业模式的重要特征。本文的研究结论有利
于民生银行进一步开辟小微金融市场，使民生银行从同质化竞争日益激烈的金融
机构中脱颖而出，把民生银行小微金融做成一种可持续发展的商业模式。

关键词：民生银行，小微企业，小微金融，产业链
ABSTRACT
In 2008, the bank of Minsheng proposed the concept of “small micro-finance” in
the first time. By the end of 2011, the business scale of Minsheng has exceeded 200
billion RMB, and the small micro-finance has changed remarkably, which has three
significant aspects: (1) entering into a period of balanced development from accelerate
development; (2) entering into the fierce competition stage from exclusive dealing; (3)
entering into the stage of establishment and optimization mode from active exploratory
mode.
Based on the small micro-financial customers of Minsheng bank Chengdu Branch,
combined with small micro-enterprise characteristics and the core concept of
micro-finance, this paper described Minsheng bank how to promote the implementation
of corporate finance and commercial transactions effectively by financial services of
industry chain and the use of bank credit to enhance the commercial credit. According
to the demand analysis of liquor dealers and supermarkets suppliers, this paper points
out that cluster development is an important way for the small micro-enterprises
enhances their competitiveness, and it is also an important feature of small
micro-finance business model. The conclusion of this study is conducive to the opening
of small micro-finance market of Minsheng bank, and makes it stand out from the
financial institutions which are in an increasingly homogenization competition, and so
that the small micro-finance for Minsheng Bank will into a sustainable business model.
Keywords: bank of Minsheng; small micro-enterprise; small micro-finance; industry
chain