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国际经验间接参与模式一是转贷款模式。这是最为典型的业务模式。商业银行选择符合标准的小额信贷机构,通过综合授信为其提供转贷款。这与一般意义上的授信最为接近,担保方式也更为灵活多样,小额信贷机构可以提供资产或股权抵押。这一模式把商业银行资金、管理优势和小额信贷机构高效决策优势结合,能够实现不同机构业务独立运作,因而能够实现业务快速扩张。
Indirect mode of participation in international experience First, the lending model. This is the most typical business model. Commercial banks choose microfinance institutions that meet the standards and provide them with the loan transfer through comprehensive credit. This is most similar to a credit in the general sense of the word, with a more flexible guarantee. MFIs can provide assets or equity mortgages. This model combines the capital, management advantages of commercial banks and the efficient decision-making advantages of MFIs to enable independent operation of different institutional businesses and thus rapid business expansion.