科技型小微企业以良好的成长潜力、创新的科研产品和商业模式,成为政府和商业银行关注的焦点,然而小微金融难以切入其中也是商业银行面临的共同问题.商业银行作为科技型小微金融业务的承载者和推行者,是否开展小微金融业务,取决于对市场环境、同业竞争和内部资源的整体度量.政府针对金融市场的整体规划和监管政策,在决定商业银行资源禀性和比较优势的同时,应该鼓励商业银行积极探索科技型小微金融领域的创新.只有政府、商业银行、监管层的共同努力,完善科技型小微金融制度创新体系,才会形成持续激励机制,从根本上推动商业银行科技型小微金融服务的发展.%The government and commercial banks focus on technology SMB because of their good growth potention, innovative products and business models, however it's difficult for commercial banks to expand the market. Whether commercial banks choose technology micro finance business depends on market environment, competition and internal resources. The plan of financial market and regulatory policy should encourage commercial banks to explore technology micro finance. Only with the effort of the government, commercial banks and regulators, it's possible to continuously improve micro finance system innovations, form a continuous incentive mechanism and promote technology micro finance service's development fundamentally.
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