小微信贷的内在机制与对策因应:鄂省例证

Inner Mechanism of Small Credit and Countermeasures:Examples from Hubei Province

受小微金融服务缺乏规划、小微信贷资金来源渠道受限等因素影响,现阶段小微信贷约束急需重点关注信贷总量与结构、信贷管理技术、信贷人才队伍、信贷风险定价基础以及风险缓释体系等约束。进一步改善小微信贷约束,金融监管部门应加快制定小微金融发展规划、建立专项统计制度、实施差异化监管政策;银行机构应加大力度储备与培养小微信贷人才、着力提升小微信贷管理技术;地方政府应加快信用评级体系建设、集中有限财政资源成立再担保公司和专业担保公司、落实对小微企业的税费补偿政策。

Because of absence of the plan of financial services and more sources of credit capital ,the credit constraints of small and micro business mainly includes, the total credit amount and structure, credit management technology, credit talent, risk pricing of credit and the system of risk mitigation, which should be the key focused points. To improve credit constraints of small and micro businesses, some measures are put forward： financial regulation department should rapidly formulates development plan of small and micro financial services, establishes special statistical system and implements different regulation policies; the commercial banks should strengthen cultivating and reserving credit talents, focus on promoting risk preventing technology of small and mini credit; the local government should accelerate to establish the system of credit rating, centralize limited resources to set up re-guarantee corporation and other guarantee companies , implementing the polices of compensating and reducing taxi and fees to small and micro businesses.