走向政府信用——江苏省小贷模式研究

Going to Government Credit: a Study of Jiangsu Small-sum Loan Model

运用文献法和实地调查法对小额贷款公司的发展现状、瓶颈及对策进行分析探讨,研究发现:江苏省政府从市场信用的角度出发,通过发挥政府职能提升了小额贷款公司在金融市场中的信用级别,包括制定了完善的监督管理制度,为小额贷款公司的征信创造各种条件,以政府信用为小额贷款交易做"背书"等。这些举措实现了江苏小额贷款公司突破发展瓶颈、走向政府信用的目标。在我国以国有金融机构为主、社会征信体系不完善的背景下,走向政府信用是小额贷款公司发展的一个非常成功的模式。

A discussion is conducted by using the method of literature and field survey on the development status, bottlenecks and countermeasures for small-sum loan companies, and it＇ s found that the government of Jiangsu province, from the perspective of market credit and by performing government functions, enhanced the credit rating of small-sum loan companies in financial markets, including formulating perfect supervision and management institutions, creating all kinds of conditions for small-sum loan company credit reporting, making ＂endorsement＂ for small-sum loan transactions on the basis of the government credit. These measures have achieved the goals for breaking through the bottleneck in the development of small-sum loan companies in Jiangsu and going to government credit. Going to government credit is a very successful model for the development of small-sum loan in the context of state-owned financial institutions＇ dominance and imperfect social credit system in China.