国外成功的小额信贷模式的风险控制经验借鉴  

Borrowing Experience of Risk Control of Micro-Credit Model form Foreign Successful Cases

作　　者：魏小丹[1] 

机构地区：[1]海南经贸职业技术学院,海口571127

出　　处：《中小企业管理与科技》2017年第20期41-42,共2页Management & Technology of SME

摘　　要：伴随着农户和中小企业的发展受到国家的重视,其贷款需求也大幅增加。受到银行信贷规模小、贷款条件要求严格等条件的限制,农户和中小企业的贷款需求难以从银行正规渠道得到满足,促使小额贷款公司迅猛发展。然而,在小额贷款公司不断发展的过程中,由于风险控制不当导致自有资金损失的问题越来越突出。With the development of farmers and small and medium-sized enterprises was valued by the country, its loan demand has increased significantly. By the limit of small scale of bank credit, and strict loan repuirements, farmers and small and medium-sized enterprises′ loan demand is difficult to meet from the formal channels of banks, it promotes the rapid development of small loan companies. However, in the process of micro-credit companies continue to develop, due to improper risk control led to the loss of their own funds more and more prominent.

关 键 词：小额信贷 经验启示 风险控制 

分 类 号：F832.4[经济管理—金融学]