普惠金融视角下发放高质量小额贷款关键因子影响研究

The Research on the Influence of Key Factors of Granting High-quality Micro-credit from the Perspective of the Inclusive Finance

近年来,小额贷款公司的快速发展对中小微企业解决融资问题、活跃金融市场发挥了重要作用。然而,在当前经济下行压力下,小额贷款公司面临信用风险问题日益突出,严重影响其健康发展。本文通过建立多指标综合测定法来评价影响小额贷款质量的关键因子,有效地评估信用风险,并提出适合小额贷款公司良性发展的建议。

In recent years,the rapid development of micro-credit companies has played an important role in solving financing problems and active financial markets for micro,small and medium-sized enterprises.However,under the current downward pressure of the economy,micro-credit companies are facing increasingly prominent credit risks,which seriously affect their healthy development.In this paper,the key factors affecting the quality of micro-credit are evaluated by the establishment of multi-index comprehensive measurement method,and the credit risk is evaluated effectively,and suggestions for the benign development of micro-credit companies are put forward.