中小银行如何支持小微企业?

How Small and Medium Banks Support Small and Micro Enterprises

在经济下行、银行利润受到冲击背景下,银行转型小微金融又面临着控制风险和成本高企的困境。这时一些中小银行发掘出了一种同时增加负债和资产的工具,即"小微+资产证券化"的分散化、快周转模式。本文首先用实践案例介绍"小微+资产证券化"具体模式,分析"小微+资产证券化"如何实现信用扩张,降低贷款成本,最后描述我国小微领域的资产证券化流转方式和资产要求。

Banks have taken greater interest in microfinance as an economic downturn squeezes their traditional sources of profit. But relatively high costs and problems with controlling risk have impeded those efforts so far. Some small and medium sized banks have turned to the use of a tool that permits the simultaneous increase of assets and liabilities, namely asset securitization for small and micro enterprise loans. This allows risk diversification and the amplified use of available funds. This paper introduces the financial tool and analyzes credit expansion and cost reductions through its use. It also examines some practical applications and describes asset securitization procedures and asset requirements for China’s small and micro enterprises.