我国商业银行发展普惠金融新模式:互助合作基金  

The New Financial Inclusion Development Model of the Commercial Bank in China:The Mutual Cooperation Fund

作　　者：蔡洋萍[1] 

机构地区：[1]湖南农业大学经济学院,湖南长沙410128

出　　处：《安徽行政学院学报》2015年第3期53-56,82,共5页Journal of Anhui Academy of Governance

基　　金：第57批国家博士后基金资助项目"我国内生主导型农村普惠金融体系发展问题研究(2015M572247)";湖南省社会科学基金项目"我国村镇银行风险控制问题研究(13YBB102)"

摘　　要：小微企业向银行贷款会面临企业规模、担保以及准入条件等的限制,获得的银行贷款较少,被排斥在金融服务体系之外。民生银行推出的具有普惠性质的"小微企业互助合作基金"较好地解决了小微企业贷款难的问题。文章在介绍我国互助合作基金发展的基础上,对民生银行的互助合作基金模式、互助合作基金模式特点、互助合作基金存在的风险及风控机制进行介绍。The small micro enterprise applying for loan from the bank will face the limitation such as scale,security andaccess restrictions,and the loan for the small micro enterprises from the bank is little,which is excluded from the financialservice system. The Minsheng Bank launches with characteristics of financial inclusion,＂small micro enterprise mutualcooperation fund＂,which solves the loan difficulty of the small micro enterprise. This paper introduces the development ofthe mutual cooperation fund in our country,the mutual cooperation fund model of the Minsheng Bank,the characteristics ofthe mutual cooperation fund,the risks of the mutual cooperation fund and introduces the risk-control mechanism of the fund.

关 键 词：普惠金融 互助合作基金 商圈 

分 类 号：F832.2[经济管理—金融学]