小微金融机构演化的动因研究  

Research on the Motivation of Microcredit Institutions Evolution

作　　者：李颖[1] 孔令刚[1] 严静[1] 

机构地区：[1]安徽省社会科学院城乡所,安徽合肥230009

出　　处：《石家庄经济学院学报》2016年第6期82-85,共4页Journal of Shijiazhuang University of Economics

基　　金：安徽省社科院青年课题项目(QK201610)

摘　　要：南北朝以来小微金融机构在中国已经存续了很久,在经历了寺库质贷、当铺、互助会等形式之后,在长达1 000多年的历史中,小微金融机构并未发生太多的演化。近年来,在信息技术和全球化浪潮下,小微金融机构也在贷款手段、风险理念、组织形式等方面的演化取得较大进展,究其原因是由于贷前调查、风控技术、贷后管理等技术进步而导致的内在因素的推动发生了较大的改变。在少数小微金融机构技术溢出的带动下,也推动了整体行业的演化。Microcredit institutions has been alive for a long time in our country since the southern and northern dynasties. The microcredit institutions have not changed too much after the form of loans,pawnshops,fraternity,in the history of more than 1000 years. However,in recent years,under the information technology and globalization,greater evolution progress was made in the aspects of risk concept pre-loan investigation,loan risk control technology,and post-loan management and so on. The technology spillovers from a few small financial institutions,is promoting the evolution of the whole industry.

关 键 词：小微金融机构 演化经济学 动因 Logistic曲线 

分 类 号：F019.2[经济管理—政治经济学]