商业银行与小额贷款公司合作模式探索

Cooperative Modes of Commercial Banks and the Small Loan Companies

小额贷款公司相对商业银行而言,资金来源渠道较窄。而商业银行相对小额贷款公司而言,贷款条件较苛刻,独立经营小额贷款成本较高。商业银行和小额贷款公司可以在相互竞争的环境下更好地合作发展小额贷款业务,建立小额贷款批发机制,创新以外包零售业务方式、以资源共享为主和以技术输出为主的双赢的合作模式,为中小企业和"三农"提供更多贷款。

Compared to commercial banks, small loan companies have fewer fund sources; in turn, commercial banks have harsher credit terms and higher costs for operating small loans independently. In a competitive environment, the commercial banks and small loan com- panies can better develop micro-credit together by establishing a micro-credit wholesale mechanism and creating a win-win cooperation mode which outsources retail business on the basis of resource sharing and technology output to provide more loans to small and medi- um-sized enterprises and those concerning agriculture, farmers and rural areas.