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微小企业在经济社会的发展中具有不可替代的地位,但微小企业融资难的问题却是世界性难题。如何健康和快速地发展我国的微贷业务是亟待解决的问题。基于此,本文比较了微贷业务与传统信贷业务的区别,在调研的基础上总结了包商银行发展微贷业务的成功经验,设计出了一套科学的有参考价值的管理微小贷款发展的方案。
Micro-enterprises have an irreplaceable position in the economic and social development, but the problem of micro-enterprises financing is a worldwide problem. How to develop the micro-loan business in our country healthily and rapidly is an urgent problem to be solved. Based on this, this article compares the difference between micro-loan business and traditional credit business, sums up the successful experience of Baoshang Bank’s development of micro-loan business on the basis of investigation, and designs a set of scientific and valuable micro-loan management Program.