微型金融机构信贷问题与对策研究  

Research on the credit problem and countermeasures of the micro financial institutions

作　　者：陈曦[1] 

机构地区：[1]新疆财经大学,乌鲁木齐830000

出　　处：《经济研究导刊》2014年第14期207-209,共3页Economic Research Guide

基　　金：新疆财经大学研究生课题

摘　　要：微型金融机构主要客户是财务不健全、缺少抵押与担保、信息严重不对称的小微企业与个人,如何有效管理信用风险、控制信贷审核成本是微型金融机构信贷业务亟待解决的问题。通过分析微型金融机构信贷业务面临的问题,利用贷款承诺与关系贷款理论,对微型金融机构信贷业务中存在的问题提出对策建议。The main customers of micro financial institutions are not perfect,the lack of financial mortgage and guarantee,the information asymmetry Small and micro businesses and individuals,how to effectively manage credit risk,credit control credit business is the audit cost micro finance institutions problems. Through the analysis of the credit business of micro financial institutions facing problems, using loan commitment and relationship lending theory, put forward the countermeasure and suggestion to the existing credit problems in the micro financial institutions.

关 键 词：微型金融机构 贷款承诺 关系贷款 

分 类 号：F832.4[经济管理—金融学]