【摘要】 "贷款难、贷款贵"一直是制约小微企业发展的难点问题,是普惠制金融业务的拦路虎。如何创新适合小微企业特点,并能享受与其它经济主体同等金融服务的信贷模式?理论界和银行业都在不断地研究和探索。2012年以来,江西赣州银座村镇银行对此进行了践行,创建并实施了"小微企业主信贷模式",探寻出一条适合赣南小微企业发展的新路径,实现了社会效益和经济效益的有机统一。更多还原

【Abstract】 The difficulty and expense to apply for a loan is always a problem that restricts the development of some small enterprises.What’s more,it’s also an obstacle to the achievement of GPS financial service.How to creat a credit model which can promise the small enterprises the same service as some larger ones and how to build a credit model that is suitable for the small enterprises? We are on the way to solve these problems.Since 2012,the Ginza Village Bank in Ganzhou,Jiangxi province has put this issue into practice.They created a system called‘the Main Credit Models of Micro Business’ and put it into effect,therefore,a new path which is fit for the development of the small enterprises in Gannan area has been exploited.Moreover,we have achieved the integrate of the social benefit and the economic benefit.更多还原