微贷技术的理论研究和业务流程优化——基于A市法人银行的运营实践视角  

Theoretical Research and Business Process Optimization of Micro-Loan Technology:From the Perspective of Operation Practice of the Corporate Ban k in A City

作　　者：徐加宽 XU Jiakuan(Bank of Jiangsu Co.,Ltd.Huai'an Branch,Huai'an 223001,China)

机构地区：[1]江苏银行股份有限公司淮安分行,江苏淮安223001

出　　处：《商业观察》2023年第36期117-120,共4页BUSINESS OBSERVATION

摘　　要：微贷技术作为有效解决小微群体融资难的有效手段之一,在A市农村中小金融机构中的应用呈星火燎原之势。虽然微贷技术被我国引入已近20年,但是,A市农村中小金融机构引入微贷技术普遍较迟,应用还不够成熟,在信贷理念、人才队伍、本土化进程等方面还存在不少问题,亟需解决,并进一步推广微贷技术的应用。文章采用理论研究和实践分析相结合的方法,在理论论述的基础上,分析了A市农村中,小金融机构应用微贷技术的现状,并指出发展中存在的问题,最后提出了微贷业务流程优化和风险控制的建议。As one of the effective means to solve the financing difficulties of small and micro groups,micro loan technology has been widely used in rural small and medium-sized financial institutions in A city.Although micro-loan technology has been introduced in China for nearly 20 years,the introduction of micro-loan technology by rural small and medium-sized financial institutions in A city is generally late,and the application is not mature enough.There are still many problems in credit concept,talent team,localization process and other aspects,which need to be solved urgently to further promote the application of microloan technology.This paper adopts the method of combining theoretical research and practical analysis.Based on the theoretical discussion,this paper analyzes the current situation of the application of micro-loan technology by rural small and mediumsized financial institutions in A city,points out the existing problems in the development,and puts forward suggestions on the optimization of micro-loan business process and risk control.

关 键 词：微贷技术 信息不对称 关系型融资 博弈论 

分 类 号：F832.4[经济管理—金融学]