国家税务总局为了扎实地推进税收现代化建设，切实解决实践中存在的税收管理与服务工作中发现的突出问题，以便利纳税人办税，并提升纳税人的满意度与税法遵从度，决定于2014年2月份在全国范围的税务系统启动“便民办税春风行动”。“银税互动”便是其中重要内容之一。因此，本文给予“银税互动”的定义为：“银税互动”是通过税收管理方式并利用企业自身涉税数据解决小微企业融资难问题的一项政策举措。

本文基于G公司以政策要求的传统商业模式开展“银税互动”工作过程中遇到的现实问题，依据Osterwalder et a1．(2005;2011)提出的九要素模型分析G公司“X云平台”传统商业模式与创新商业模式，并进行要素对比分析。指明创新商业模式一一对应解决了传统模式的不足之处。最后简扼说明创新商业模式取得的成果与可改进的地方并得出创新商业模式理论可行性的研究结论,为推进“银税互动”项目落地贡献一份力量。

In order to solidly promote the modernization of Taxation, solve the outstanding problems found in the tax management and service work in practice, to facilitate the taxpayer's tax operation, and improve the satisfaction of taxpayers and the compliance of tax law, the State Administration of Taxation decided to launch the "Spring-wind Action of Tax Operation for the Convenience of the People" in the national tax system in February 2014. "Bank-Tax Interaction" is one of the important contents. Therefore, the definition of "Bank-Tax Interaction" given in this paper is: "Bank-Tax Interaction" is a policy measure to solve the financing problem of micro enterprises by means of tax management and using their own tax related data.