随着我国小微企业金融服务市场规模持续快速增长，2010年开启了商业银行小微企业金融服务竞争的时代，“专业化”和“差异化”成为小微企业金融服务的关键词。民生银行将小微企业的金融服务列入战略发展的高度，致力于为小微企业提供优质的金融服务，为公司长远发展奠定基础。 本文首先介绍了世界主要经济体以及我国对小微企业的界定，分析了我国小微企业金融服务的内容和特点。文章重点研究了民生银行的发展概况、小微企业业务发展的历史沿革、发展现状，并对民生银行小微企业金融服务中存在的事业部组织结构的弊端、小微企业金融产品的不足、沿用大企业的销售模式的缺陷、风险管理上亟待解决的问题进行了深入分析。针对小微企业金融服务现状对客户、员工进行满意度调查和调研分析，明确方向，从组织结构、产品服务、销售策略、风险管理四个关键的方面探索研究出符合小微企业金融服务需求的民生银行小微企业金融服务的策略并补充了实施这些策略所需的必要的专业人才培养、中小绩效考核、科技运营支持和品牌建设方面的保障和支持措施。希望能够构建民生银行专业和差异化地金融服务体系，形成其核心竞争力，并为商业银行提升小微企业金融服务提供参考，助小微企业向大企业迈进一臂之力。 本文的研究对于民生银行提升小微企业服务能力具有重要的指导作用，同时对于其他金融机构也具有一定的借鉴意义。

At present, the scale of China's SME financial services market continued rapid growth. The year 2010 has seen a new era of commercial bank financial services competition for SMEs . "Specialization" and "differentiation" are regarded as key words for SMEs financial services. Minsheng Bank places SMEs services in the height of the strategic development and committed to providing qualified financial services to SMEs. This study laid foundation for the long term development for Minsheng Bank. Firstly, analyzing the current status of Minsheng Bank financial services and existing problems. Secondly, refer the experiences of the international leading commercial banks through the research on SMEs financing experience of Commerzbank, Wells Fargo Bank and Kasikornbank. Thirdly, study the surveys of Products satisfaction，promation mode, and risk management of Minsheng Bank and then put forward strategies from four decisive aspects—organizational structure, products&service, marketing and risk management. Finally, illustrate the Guaranteeing measures such as Cultivating professionals , SME performance assessment system, technology support, compliance management and building SME financial service brand for implementing SMEs strategy. The paper is intended to structure the SME financial service strategy for Minsheng Bank and help SMEs marching forward. This research has important guiding role of Minsheng Bank to enhance small and micro businesses service ability, at the same time for other financial institutions also have certain reference significance.