普惠金融视角下商业银行信贷机制创新研究

A Study of Credit Mechanism Innovation of Commercial Banks from the Perspective of Inclusive Finance

党的十八届三中全会通过的《中共中央关于全面深化改革若干重大问题的决定》首次明确提出"发展普惠金融",将普惠金融的发展提升到了新的高度。本文以如何使更多人群获得小额贷款为研究目标,并通过引入资金总量限制和成本因素建立模型进行分析,并提出相应的政策建议。

“The Decision on Major Issues Concerning Comprehensively Deepening Reforms” adopted at the Third Plenary Session of the 18th CPC Central Committee clearly put forward “develop inclusive finance” for the first time, which bring the development of inclusive finance into a new height. This article focuses on how to help more people to abtain small loans, and builds models by introducing total amount restriction on capital and cost factors to analyze the problem, and put forward the corresponding political suggestions.