Small enterprises and micro-enterprises are the most dynamic force in the development of real economy，play an important role in stabilizing growth，expanding employment，promoting innovation，enhancing economic vitality and promoting social harmony and stability. The zhengzhou branch of China merchants bank always carries out the national financial policy，has innovated credit model，simplified credit flow，strengthened risk management，realized independent professional operation，fully support the real economy. In the future，the zhengzhou branch of China merchants bank should grasp the good opportunity of the rise of zhongyuan and the revitalization of henan，focus on small and micro enterprises to carry out product innovation and business innovation，fully serve the rise of Central China.