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国外银行越来越多的开始介入小额信贷的业务,我国大型商业银行也正在逐渐的开始介入小额信贷的业务发展,但是对于我国商业银行介入小额信贷的效果其实并不理想。本文从我国大型商业银行参与小额信贷的现状出发,通过研究我国大型商业银行参与小额信贷的模式,从而提出相应的对策,寻求在普惠金融视野下使商业银行更好的介入到小额信贷当中。
More and more foreign banks have begun to intervene in the business of microfinance. The large commercial banks in our country are also gradually beginning to intervene in the business of microfinance. However, the effect of China’s commercial banks in intervening in microfinance is not ideal. Based on the current situation of China’s large commercial banks participating in the microfinance, this paper studies the mode of China’s large commercial banks participating in the microfinance, and puts forward corresponding countermeasures to seek better involvement of the commercial banks in the micro-finance perspective Credit among them.