摘 要 银行业同业竞争的加剧促使民生银行济南分行不断寻找新的利润增长点，以“民营企业的银行、小微企业的银行”为经营定位的民生银行早在2008年就开始探索小微企业信贷业务并取得了一定成效，与此同时，越来也多的银行机构加入到小微企业信贷市场中来，这是银行追逐利益的结果，也是国家政策推动的结果。要在争取小微企业信贷市场份额中必须“知己知彼”才能“有的放矢”，因此，本文通过理论分析、调查研究、DEA分析相结合的方法对民生银行济南分行的小微企业信贷业务进行了研究，实证分析的结果表明：（1）民生银行济南分行综合技术效率值为0.601，表明民生济南分析技术效率是最优决策单元的60.1%，进一步的分析表明，民生银行济南分行需要压缩信贷资金周转天数，减少不良小微企业贷款比例。（2）民生银行济南分行纯技术效率在2010-2013年间提升很快，并自2011年来处于样本银行的领先位置，表明民生银行济南分行金融服务技术、措施领先其他银行。（3）民生银行济南分行规模效率呈现递增趋势，结合民生银行信贷存量的情况，说明民生银行济南分行需要进一步增加小微企业信贷规模。导致民生银行济南分行信贷规模不足，贷款周转速率低，不良贷款偏高的原因是多方面的，而信贷客户、信贷产品、信贷团队是诸多因素中最普遍、最核心的因素，本文从这三个方面进行了进一步的分析并提出信贷客户策略、信贷产品策略、信贷团队建设策略。

ABSTRACT The competition among banks intensifies， and it spurs Min-Sheng Bank to looking for new profit point constantly. "Private enterprise bank， Small and Micro businesses bank" is its business location， Min-Sheng Bank started to explore the Small and Mirco credit business as early as 2008 and achieved certain results. At the same time， more and more banking institutions join the competition. The study shows that: (1)The overall technical efficiency value of Minsheng Ji'nan branches 0.601， it means that Ji'nan branch technical efficiency is 60.1% of the optimal decision unit， further analysis shows that Ji'nan branch need to compress the credit fund turnover days， reduce the adverse Small and micro businesses loans ratio. (2) The pure technical efficiency of Ji'nan branch ascension fast during 2010 to 2013， and since 2011 it has been the leading position of the sample banks， it shows that the financial services technology and measures of Ji'nan branch ahead of the other banks. (3) The Ji'nan branch scale efficiency increased, with Minsheng Bank Credit stock situation， it indicates Ji'nan branch needs to further increase the small micro enterprise credit scale. Through the above analysis, we defined the problems and causes of Ji'nan branch small micro enterprise credit business, the corresponding improvement suggestions are proposed from three aspects of credit customers, credit products, credit team.