小微金融机构演化的动因研究

Research on the Motivation of Microcredit institutions Evolution

南北朝以来小微金融机构在我国已经存续了很久,在经历了寺库质贷、当铺、互助会等形式之后,在长达1000多年的历史中,小微金融机构并未发生太多的演化。但是,近年来,在信息技术和全球化浪潮下,小微金融机构在贷款手段、风险理念、组织形式等方面的演化取得较大进展,究其原因是由于贷前调查、风控技术、贷后管理等技术进步而导致的内在因素的推动发生较大的改变。在少数小微金融机构技术溢出的带动下,推动了整体行业的演化。

Microcredit institutions has been alive for a long time in our country since the southernand northern dynasties. The microcredit institutions have not changed too much after the form of loans,pawnshops, fraternity, in the history of more than 1000 years. However, in recent years, under theinformation technology and globalization, greater evolution progress was made in the aspects of risk conceptpre-loan investigation, loan risk control technology, post-loan management and so on. The technologyspillovers from a few small financial institutions, is promoting the evolution of the whole industry.