加快推进小微信贷机构接入征信系统的模式选择——来自典型案例的启示

Speed Up the Mode Selection of the Access Credit System for Small and Micro Credit Institutions-Inspiration from Typical Cases

案例研究定位于理论、政策和实践的互动结合。本文以湖商系列村镇银行接入征信系统为微观案例,客观分析了加快推进小微机构接入征信系统的现实考量和面临的实际困难,解析了全国首家采用"统一接入、统一管理"模式,跨区域组织2省10市14家村镇银行批量化、集约化、专业化接入征信系统的路径,是破解村镇银行接入征信系统瓶颈的有益尝试。

Case study is located in the interaction of theory, policy and practice. In this paper, taking series of lake village banks access to the credit system for micro case, objective analysis of the reality of the small and micro mechanism to accelerate access to the credit system and the analysis of the practical diffculties, China＇s frst ＂unifed access, unifed management＂ mode, the path of the 14 rural banks cross regional organizations in 10 cities of 2 batch, intensive professional access to the credit system, the credit system is a benefcial attempt to break the bottleneck of rural banks access.