[1]邓耀明,周征帆.打破“凡贷必押”旧桎梏 创建“小微信贷”新模式——以江西赣州银座村镇银行为例[J].金融教育研究,2013,(06):37-40.
　DENG Yaoming,ZHOU Zhengfan.Breaking the "Whoever Borrows Money Shall Detain" Old Constraints to Create "Small-Micro Credit" New Pattern——TakingVillage Banks of Ginza in Ganzhou ,Jiangxi for Empirical Analysis[J].,2013,(06):37-40.
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打破“凡贷必押”旧桎梏 创建“小微信贷”新模式——以江西赣州银座村镇银行为例()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2013年06期
页码:
37-40
栏目:
出版日期:
2013-12-31

文章信息/Info

Title:
Breaking the "Whoever Borrows Money Shall Detain" Old Constraints to Create "Small-Micro Credit" New Pattern——TakingVillage Banks of Ginza in Ganzhou ,Jiangxi for Empirical Analysis
作者:
邓耀明;周征帆;
中国人民银行赣州市中心支行,江西赣州,341000; 中国建设银行广州天河支行,广东广州,510400
Author(s):
DENG Yaoming; ZHOU Zhengfan
关键词:
创新; 小微企业; 信贷模式
Keywords:
creativity;  small and micro business;  credit model
分类号:
F832.35
文献标志码:
A
摘要:
"贷款难、贷款贵"一直是制约小微企业发展的难点问题,是普惠制金融业务的拦路虎。如何创新适合小微企业特点,并能享受与其它经济主体同等金融服务的信贷模式?理论界和银行业都在不断地研究和探索。2012年以来,江西赣州银座村镇银行对此进行了践行,创建并实施了"小微企业主信贷模式",探寻出一条适合赣南小微企业发展的新路径,实现了社会效益和经济效益的有机统一。
Abstract:
The difficulty and expense to apply for a loan is always a problem that restricts the development of some small enterprises.What's more,it's also an obstacle to the achievement of GPS financial service.How to creat a credit model which can promise the small enterprises the same service as some larger ones and how to build a credit model that is suitable for the small enterprises? We are on the way to solve these problems.Since 2012,the Ginza Village Bank in Ganzhou,Jiangxi province has put this issue into practice.They created a system called ‘the Main Credit Models of Micro Business'and put it into effect,therefore,a new path which is fit for the development of the small enterprises in Gannan area has been exploited.Moreover,we have achieved the integrate of the social benefit and the economic benefit.

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更新日期/Last Update: 1900-01-01