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当前中小企业特别是微小型企业贷款由于诸多因素影响,贷款难现象普遍存在。马鞍山农村合作银行开展的“微小贷款”业务是为小企业或微型企业和城乡个体工商户开办的一项信贷融资服务,发展势头很快,取得明显成效,并首次把微小贷款业务引进农村。本文对“微小贷款”的模式、效应进行了探讨,指出“微小贷款”作为一种创新的信贷方式,对缓解小企业贷款难有一定的作用,对其它商业银行开展中小企业融资服务也有一定的借鉴作用。
Current SMEs, especially micro-enterprise loans due to many factors, the phenomenon of loan-sharing is widespread. The “Micro Loan” business conducted by the Rural Cooperative Bank of Maanshan is a credit financing service for small businesses or micro-enterprises and individual industrial and commercial households in urban and rural areas. The credit financing service is developing rapidly and has achieved remarkable results. For the first time, the micro-lending business has been introduced into rural areas . This paper probes into the mode and effect of “micro-loans”, and points out that “micro-loans” as an innovative means of credit can hardly alleviate loans to small enterprises. It also provides financing for small and medium-sized enterprises Services also have some reference.