小微金融供给效果及影响因素分析

Analysis of the Supply Effect and Influencing Factors of Small and Micro Finance

商业银行、互联网金融和民间借贷是小微金融服务的主要供给者,但受信贷管理制度、政府数据覆盖度、信贷技术运用和企业运营管理能力等因素影响,小微金融服务在有效供给量、产品的基本条件和创新力度上与企业需求不匹配。需要从健全征信体系、差异化定价、降低信贷综合成本、推广数字技术、设立开放银行等方面着手,提升小微金融服务的效率和精准度。

Commercial banks, internet finance and private lending are the main suppliers of small and micro financial services. However, affected by factors such as credit management system, government data coverage, credit technology application and enterprise operation and management ability, small and micro financial services do not match enterprise demand in terms of effective supply, basic conditions of products and innovation.It is necessary to improve the efficiency and precision of small and micro financial services by improving the credit investigation system, differentiated pricing, reducing the comprehensive credit costs, developing digital inclusive technology, and setting up open banks.