普惠金融视角下的小额信贷问题、原因与对策建议  

Problems,Reasons and Countermeasures of Microcredit from the Perspective of Inclusive Finance

作　　者：蒋亮[1] 郭晓蓓[2] 邓金堂[3] 罗幼强[4] 王丽寒 Jiang Liang;Guo Xiaobei;Deng Jintang;Luo Youqiang;Wang Lihan

机构地区：[1]中国建设银行四川省绵阳分行,四川绵阳621000 [2]中国民生银行研究院,北京100083 [3]西南科技大学,四川绵阳621000 [4]中国人民银行绵阳市中心支行,四川绵阳621000 [5]中国建设银行四川省分行,四川成都610017

出　　处：《西南金融》2021年第1期38-49,共12页Southwest Finance

摘　　要：中国普惠金融下阶段发展重点是普惠融资。近年来,中小微企业的信贷获得情况改善很快,超八成的"小微"经营者认为贷款获取比3年前相比更加容易、便捷。但在规模扩张较快的同时,普惠信贷经营中的下沉风险加大、触达渠道匮乏、中小微企业信息紧约束等问题也日益凸显。并且,中小微经营者融资难、融资贵是世界性难题,其有融资需求者自身问题、金融供给不足、信息不对称严重等方面的原因,具有长期性和必然性。要从根本上改变和缓解这一问题,还需要利用金融科技,从获客网络、价值链重塑、支撑体系建设等方面加大信贷创新力度。The next stage of China's development of inclusive finance is focused on inclusive financing.In re⁃cent years,the credit availability of small,medium and micro enterprises has improved rapidly.Over 80%of"small and micro"operators believe that obtaining loans is easier and more convenient than three years ago.However,with the rapid expansion of scale,problems such as increased sinking risks in inclusive credit operations,lack of access channels,and tight information constraints for small,medium and micro enterprises have become increasingly prom⁃inent.Moreover,financing difficulties and high financing costs for small,medium and micro operators are world⁃wide problems,which are caused by the problems of financing demanders,insufficient financial supply,and serious information asymmetry,which are long-term and inevitable.To fundamentally change and alleviate this problem,it is also necessary to use Fintech to increase credit innovation in terms of customer acquisition network,value chain reshaping,and support system construction.

关 键 词：普惠金融 金融科技 数字技术 小额信贷 信贷创新 数字化转型 小微企业融资 信用体系建设 

分 类 号：F830[经济管理—金融学] G613.7[文化科学—学前教育学]