小微金融服务市场分析

Analysis on Micro-Financial Service Market

目前,我国小微金融服务市场非常活跃。小微金融的服务需求主要来自小微企业、个体户和农户,供应商有正规机构和非正规组织。近年来,我国小微金融市场比较突出的特点是网络全方位、多层次地渗入到了金融服务中,小额信贷业务专业化与技术化程度普遍提高。今后,针对小微金融服务中存在的主要问题,政府应将鼓励创新、区别对待、控制风险作为小微金融服务发展和管理的基本基调,逐步将新兴的小微金融服务机构纳入监管视野,在政策上要对小额信贷额度永远保持宽松,银行要根据自身特点分层次经营,要放宽对经营管理情况良好的小额贷款公司的政策限制。

Currently the micro-financial market is very active. The demanders who are in need of the service mainly consist of small businesses, individual households and farmers while the supplier of micro-financial service include formal and informal institutions. In recent years, the internet has successfully infiltrated into financial service in a multidimensional and multilevel way and the micro-finance business has become more specialized and technological. These are the outstanding characteristics of the micro-financial market. The government should regard innovation, different treatment, and control risk as the basic tone of the development and management of micro-financial services and gradually absorb the emerging micro- financial institutions into the field of supervision. And in terms of the policy, the government should implement the easing policy for the micro credit market the banks should operate according to their own characteristics and remove policy limitations on well-operated micro credit companies.