小额贷款公司与中小企业协同发展研究——以昌九经济一体化为背景

金融共生理论指出,金融共生单元相互协作能实现双方的和谐发展。文章以金融共生的三个要素视角为切入点,首先从小额贷款公司和中小企业自身的特点来阐述两者之间的互惠共生关系,然后重点从小额贷款公司的价值定位、风险识别和评价机制、人才选拔和评价体系、组织架构和业务流程、可持续性业务发展动力机制和正向激励考核六个方面探讨了两者间的协同创新发展模式,最后在个人征信系统建设、违约信息披露等方面呼吁政府部门应出台配套的政策和支持措施。

Financial symbiosis theory presents that the mutual cooperation of financial symbiosis units could realize the harmonious de- velopment of each other. Taking the three elements of financial symbiosis as breakthrough points, this paper firstly states the mutualism between microcredit companies and small and medium- sized enterprises （SMEs） according to their char- acteristics, and then focusing on microcredit company＇s six aspects such as value positioning, risk identification and e- valuation system, talents selection and evaluation system, structure and business process, driving mechanism of sustainable business development, positive incentive estimation, discusses the mutual coordinated innovative development mode between micro- credit companies and SMEs, and finally appeals government departments to take the relevant policies in construc- tion of personal credit system and default information disclosure.