“百行进万企”数字赋能普惠的行与思

【摘  要】自“百行进万企”活动开展以来，深圳银行业在提升小微企业融资服务覆盖面和效率、“增量、扩面、降本、提质”上取得显著成效。融资对接小微客户实际信贷投放1735.82亿元，支持小微企业3.66万户，72%为首贷户，64.7%为信用贷款，64.8%为线上贷款。

【Abstract】Since the launch of the "one million enterprises" activity， Shenzhen banking industry has made remarkable achievements in improving the coverage and efficiency of financing services for small and micro enterprises， and in "increasing， expanding， reducing costs and improving quality". The actual credit of small and micro customers reached 173.582 billion yuan， supporting 36600 small and micro businesses， of which 72% were primary borrowers， 64.7% were credit loans， and 64.8% were online loans.

【关键词】“百行进万企”;金融科技;数字化转型;普惠金融

【Keywords】"one million enterprises"; financial technology; digital transformation; financial inclusion

【中图分类号】F832                                             【文献标志码】A                                                 【文章编号】1673-1069（2021）04-0132-02

1 引言

为深入了解银行机构对纳税等级B级以上小微企业融资对接开展情况，不久前，深圳银行业协会对辖区内参加“百行进万企”的41家银行机构，以线上问卷、座谈会、一对一访谈等方式进行了调研，其中重点对分配万户以上组8家银行、千户以上组7家银行活动开展调研，发现金融科技正引领数字化转型，强力赋能普惠金融的发展。（剩余2586字）