本案例由江南大学商学院的朱和平教授团队撰写、江南大学商学院案例中心研究员郝婷婷全文改编，江南大学商学院案例中心研究员盛诗慧为责任编辑，作者拥有著作权中的署名权、修改权、改编权。

摘要：中小企业在促进经济发展、解决城镇就业、激发市场活力、推动科技创新等方面都发挥着重要的作用，是我国社会发展的生力军，是国民经济不可或缺的重要组成部分。近年来，财政部、税务总局、银保监会、人民银行等中央政府部门为鼓励商业银行加大对小微企业的金融服务力度，缓解小微企业融资难、融资贵问题，出台了一系列的激励措施，激发了普惠小微金融市场活力。随着大数据、云计算、人工智能、区块链、互联网、物联网等现代信息技术蓬勃发展，科技与金融加快融合的趋势越来越明显。在小微信贷这片新蓝海，各大银行逐渐转变观念，利用金融科技快速发展带来的便利，布局小微线上业务。线上化已成为银行发展转型的着力点。通过金融科技技术，建立多维数据模型，为客户在线提供小微信贷产品，将小微授信业务申请、审批、支用全流程线上化全面打通，大大提高了服务效率和客户体验，较好地满足了小微客户短、平、快、急的融资需求。本文通过对小微产品线上化的意义、同业及江苏银行小微企业信贷产品线上化现状及特点进行分析对比，发现不足、挖掘潜力点，提出了江苏银行小微业务线上化的必要性及发展方向。

关键词：江苏银行；中小企业；线上化；普惠金融；创新

Bank of Jiangsu: Continuing to promote financial technology innovation

Abstract: Small and medium-sized enterprises play an important role in promoting economic development, solving urban employment, stimulating market vitality and promoting scientific and technological innovation, and are the driving force of China's social development and an indispensable and important part of the national economy. In recent years, the central government departments, such as the Ministry of Finance, the General Administration of Taxation, the CBIRC and the PBC, have introduced a series of incentive measures to encourage commercial banks to increase their financial services to small and micro enterprises and alleviate the problem of difficult and expensive financing for small and micro enterprises, which has stimulated the market vitality of inclusive small and micro finance. With the vigorous development of modern information technology such as big data, cloud computing, artificial intelligence, block chain, Internet and Internet of Things, the trend of accelerating the integration of technology and finance is becoming more and more obvious. In the new blue ocean of micro and small credit, major banks are gradually changing their concepts and taking advantage of the convenience brought by the rapid development of financial technology to layout micro and small online business. Going online has become the focus of bank development and transformation. Through fintech technology, multi-dimensional data models are established to provide customers with micro and small credit products online, and the whole process of micro and small credit business application, approval and drawdown is fully connected online, which greatly improves service efficiency and customer experience and better meets the short, frequent, fast and urgent financing needs of micro and small customers. This paper analyzes and compares the significance of online micro and small product line, the current situation and characteristics of online micro and small enterprise credit product line in the industry and Bank of Jiangsu, identifies the shortcomings, explores the potential points, and proposes the necessity and development direction of online micro and small business of Bank of Jiangsu.

Keywords: Bank of Jiangsu; small and medium-sized enterprises; online; inclusive finance; innovation