小微银行的困境与变革:基于普惠小微信贷的分析

The Dilemma and Reform of Small and Micro Banks:Based on the Analysis of Inclusive Small and Micro Credit

普惠小微信贷扩张下,小微银行面临较多困境。小微银行经营地域限制形成了发展天花板,治理结构不完善与内外部多重治理目标冲突并存,服务能力跟不上小微企业的实际需求。应明确小微银行在县域经济发展中的定位,坚定不移督促和推动其服务三农、支持县域、助力小微。要正视小微银行“弱势”地位,给予政策倾斜和扶持;推动其提升法人治理能力,更好平衡各方治理目标;支持其提升信贷管理水平,推动金融科技为发展赋能。

Under the expansion of inclusive small and micro credit,small and micro banks are facing more difficulties.The regional restrictions of small and micro banks have resulted in the ceiling of development,the coexistence of imperfect governance structure and multiple internal and external governance objectives,and the service capacity can not keep up with the actual needs of small and micro enterprises.We should make clear the positioning of small and micro banks in the development of county economy,and unswervingly urge and promote them to serve agriculture,rural areas and farmers,support counties and help small and micro banks.We should face up to the"weak"position of small and micro banks,give them preferential policies and support,promote their corporate governance ability to better balance the governance objectives of all parties,support them to improve the level of credit management,and promote financial technology to empower their development.