商业可持续的微型企业信贷实践——以台州银行的“小本贷款”为例

A good practice of the commercial sustainable credit to micro——enterprises:the case of Taizhou Bank's "Xiao Ben Dai Kuan"

微型企业在解决非农就业、促进欠发达地区经济发展有着突出的作用,但是由于信息不对称、契约执行难、高交易成本以及银行组织体系和市场定位问题,长期以来,面临融资难的问题。本文以台州银行的"小本贷款"为例,遵循信贷技术创新进而引发内部组织结构和激励约束机制的适应性调整以及政府规制(包括利率市场化改革和银行业产业组织政策)作用调整的分析思路,探讨上商业可持续的微型企业信贷的可行性以及运行方式。

Micro-Enterprises, which play an important role in enhancing non-agriculture employment and developnent of developing regions, are credit constrained due to the asymmetric information, the difficulties in contract enforcement, the high transaction costs, and the system and market positioning of the bank industries. Take the ＂xiao ben dai kuan＂ as an example, following the analysis framework of the relationship among the innovaitons of lending technologies, bank organisational structure, incentive mechanism and regulation, this paper has a discussion on the feasibility and the the way of operation of commercial sustainable credit to Micro-Enterprises.