普惠金融视野下大型商业银行介入小额信贷的模式与机制  

The Model and Mechanism of Big Commercial Bank's Involving in Microfinance in the View of Inclusive Financial System

作　　者：周孟亮[1] 李明贤[1] 

机构地区：[1]湖南农业大学经济学院,湖南长沙410128

出　　处：《改革》2011年第4期47-54,共8页Reform

基　　金：国家社会科学基金项目"我国普惠制农村金融体系建设研究"(批准号:09BJY099);湖南社会科学基金项目"我国农村金融功能的合理定位研究"(批准号:08JD32)。

摘　　要：国外大型商业银行已越来越多介入小额信贷发展,我国普惠金融建设离不开大型商业银行的作用。但过去我国大型商业银行直接从事小额信贷的效果不理想。基于我国小额信贷发展实际寻求一种新的大型商业银行参与小额信贷模式,从理论角度研究大型商业银行与专业性小额信贷机构合作的实现机制,是大型商业银行成功参与小额信贷的重要前提。Now more and more commercial banks are involved in microfinance in foreign countries.The construction of inclusive finance system needs the function of big commercial bank in China,but the model that big commercial banks took part in microfinance directly did not bring out good effect.This article seeks a new model that big commercial bank undertakes microfinance based on the development of microfinance in China,studies the mechanism that facilitates the cooperation between big commercial bank and microfinance institution,proposes some basic premises to make big commercial bank be successfully involved in microfinance.

关 键 词：商业银行 小额信贷 模式选择 实现机制 

分 类 号：F830.5[经济管理—金融学]