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长期以来,我国广大小微企业很难享受到现代金融服务。究其原因,一是成本高,由于小微企业单笔贷款金额小,银行授信各个环节的固定成本和人力成本分摊到每笔贷款上的综合成本就高了;二是风险大,小微企业在整个市场中抗风险能力弱,再加上其内部财务数据往往不规范、信息不对称等问题,加大了信贷风险。2008年下半年开始,我们着手破解小微企业融资难问题。从小微企业贷款产品“商贷
For a long time, the majority of small and micro enterprises in our country can hardly enjoy modern financial services. The reason is that one is the high cost. Because the amount of single loans for small and micro enterprises is small, the fixed costs and labor costs of all aspects of bank credit are apportioned to the comprehensive cost of each loan. Second, the risks are high and the small and micro enterprises The weak anti-risk ability in the entire market, coupled with the problems of irregular internal financial data and asymmetric information, have increased the credit risk. Beginning in the second half of 2008, we set out to solve the problem of financing for small and micro enterprises. Small micro-enterprise loan products ”commercial loan