摘要
商业银行小微金融的批发模式是为了降低获客成本与操作成本,但小微企业融资的信息不对称所带来的高风险问题一直无法有效解决。通过对小微企业融资中资金供需双方之间信息不对称进行分析,参考生态系统信息传递机理,对银行小微金融批发模式下的IPC运用进行系统分析,以期从信息系统的角度,在参与主体、传递对象和传递有效性等方面,有效解决银行小微金融因信息不对称所带来的高风险问题以及所引致的"融资难"等问题。
Small micro financial wholesale model is for reducing the cost of getting customers and operation,however the high-risk problem of SMEs'financing information asymmetry could not be solved for a long time.This paper analyzed the information asymmetry between SMEs'financing supply and demand funds,made a systematical analysis on IPC application under the bank small micro financial wholesale model by taking a reference to ecosystem information transmission mechanism,to solve the high-risk problem caused by bank small micro financial information asymmetry effectively and financing difficulty problem.
出处
《金融理论与实践》
北大核心
2018年第3期74-77,共4页
Financial Theory and Practice
基金
国家自然科学基金项目:小额信贷(项目编号:70672025)的后续研究成果之一
关键词
商业银行
小微金融批发模式
风险控制
commercial banks
small micro financial wholesale model
risk control
