CAJ | 학술논문

小额贷款是金融制度的创新,是对现代金融体系的提升和扬弃。小额贷款公司等微型金融是国家金融系统的必要组成部分,是国家普惠金融体系的一个特殊机构。小额贷款公司的出现延伸了金融服务的广度和深度,在一定程度上缓冲了银行的信贷风险,也使得金融体系更具包容性,从而完善了金融支持经济的功能。小额信贷不仅能促进一国的经济增长,也会丰富金融体系和金融监管的内涵。应设计出更加符合发展需求的政策体系,使小贷公司有更好的发展愿景。
소액대관시금융제도적창신,시대현대금융체계적제승화양기。소액대관공사등미형금융시국가금융계통적필요조성부분,시국가보혜금융체계적일개특수궤구。소액대관공사적출현연신료금융복무적엄도화심도,재일정정도상완충료은행적신대풍험,야사득금융체계경구포용성,종이완선료금융지지경제적공능。소액신대불부능촉진일국적경제증장,야회봉부금융체계화금융감관적내함。응설계출경가부합발전수구적정책체계,사소대공사유경호적발전원경。
Microcredit financial system innovation, upgrading and discarding of the modern financial system. Small loan companies and other micro-finance is a necessary part of the country's financial system, a special agency of the the national inclusive financial system. The emergence of small loan companies extend the breadth and depth of financial services, to a certain extent, the credit risk of the banking and financial buffer, but also makes the financial system more inclusive, thereby improving the function of financial support economic. Microfinance not only to promote a country's economic growth will also enrich the connotation of the financial system and financial regulation. Should design a policy system more in line with the development needs of small loan companies have a better vision.