分工专业化与分层标准化:齐商银行小企业金融服务中心案例  

Specialized Division of Labor and Layered Standardization: Case Study of Small Enterprise Financial Service Center of Qishang Bank

作　　者：冯波[1] 

机构地区：[1]中国人民银行淄博市中心支行,山东淄博255046

出　　处：《金融发展研究》2015年第10期58-65,共8页Journal Of Financial Development Research

摘　　要：银行开发小额信贷市场往往面临较高的信息不对称和小微信贷需求主体规模不经济的困境。对于正规金融机构而言,小额信贷市场的边缘化问题是否难以改变?本文研究发现,通过设立专业化的经营机构,以有别于传统的信贷制度和技术创新,可提高银行与小微企业间的信息对称性,遵循市场梯次开发路径,能够实现小微信贷的规模经济。In developing the micro finance market, banks often have to face the higher degree of information asymmetry and the predicament of uneconomic scale of the micro credit demand. For the formal financial institutions, is the marginalized problem of micro finance market difficult to solve？ The study finds that by setting up specialized management institutions with their credit system and technology innovation different from the traditional ones, they can improve the information asymmetry between banks and micro enterprises, follow the path of step exploitation and be able to achieve the scale economy of the micro credit.

关 键 词：小微金融 内部分工 专业化 标准化 

分 类 号：F830[经济管理—金融学]