CAJ | 학술논문

针对小微企业融资难、融资贵的症结，本案例揭示了在没有财政贴息等外部资源介入的条件下，面对小微企业信贷市场这一利基市场，MS银行运用互联网思维，通过免费提供的“乐收银”整合碎片化信息，推出批量授信、主动授信、平行作业等全新信贷流程，创设引入非金融服务组织，对小微信贷市场进行了成功开发，有效提高了小微企业信贷覆盖面、降低了小微企业融资利率，实现了银行和小微企业的共赢。本案例归纳分析了小微企业信贷市场开发的制度条件，对银行机构创设商业可持续的小微企业信贷供给具有重要的启示意义。
침대소미기업융자난、융자귀적증결，본안례게시료재몰유재정첩식등외부자원개입적조건하，면대소미기업신대시장저일리기시장，MS은행운용호련망사유，통과면비제공적“악수은”정합쇄편화신식，추출비량수신、주동수신、평행작업등전신신대류정，창설인입비금융복무조직，대소미신대시장진행료성공개발，유효제고료소미기업신대복개면、강저료소미기업융자리솔，실현료은행화소미기업적공영。본안례귀납분석료소미기업신대시장개발적제도조건，대은행궤구창설상업가지속적소미기업신대공급구유중요적계시의의。
As to the difficulties and high expenses for small and micro businesses financing,the cases reveal how MS Bank uses the internet thinking and niche market strategy,introduces non-financial services organization,develops and utilizes brand new methods in information collection and integrates dispersive small and micro businesses resources through service terminal“Leshouyin”and brand new flow of credit including batch credit extension,initiative credit extension parallel working etc, which have successfully developed small and micro lending markets, enhanced the coverage of small and micro businesses’credit and loan,reduced their financing rate of interest and realized win-win between banks and small and micro businesses. The study analyzes the general conditions for developing credit and loan markets for small and micro businesses,which enlightens sustainable credit and loan supplies for small and micro busi-nesses by bank-created businesses.