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经过近几年的努力,我国已经比较成功地引进了国际上先进的小微企业贷款模式和方法,并根据国内实际情况进行了适当的调整,有了若干经过实践检验的成功案例。本文从具体的信贷模式、贷款产品和方法上入手,着重讨论城乡小微企业贷款试点的经验教训以及对农信社下一步改革发展的启示。
After several years of hard work, China has succeeded in introducing the international advanced mode and method of lending to small and micro enterprises and has made appropriate adjustments according to the actual conditions in our country. There are a number of successful cases that have been proved through practice. This article starts with concrete credit models, loan products and methods, and emphatically discusses the experiences and lessons of pilot projects of small and micro enterprises in urban and rural areas as well as their enlightenment on the reform and development of Rural Credit Cooperatives in the next step.