摘要
村镇银行作为一种新兴农村金融机构,小微企业贷款业务发展迅速,可是村镇银行毕竟只有不到10年的历史,小微企业贷款业务还存在很多问题。论文首先阐述了村镇银行的发展历程、小微企业贷款业务的现状,其次分析了村镇银行向小微企业提供贷款所具有的优势及劣势,再次指出了目前村镇银行小微企业贷款业务存在的问题,最后通过借鉴孟加拉乡村银行,提出有关发展村镇银行小微企业贷款业务的对策。
Village bank is a new rural financial institution, and its loan service to micro and small enterprises is deve- loping at a high speed. However, there exist many problems in the loan service to micro and small enterprises because the development history of village bank is less than 10 years. The article expounds the development history of village bank and current situation of loan service to micro and small enterprises. It analyzes both advantages and disadvantages of loan service to micro and small enterprises and points out the existing problems. Finally, it put forward the counter- measures of developing loan service to micro and small enterprises by learning from the experience of country bank in Bangladesh.
出处
《天津商业大学学报》
2015年第6期10-14,21,共6页
Journal of Tianjin University of Commerce
关键词
村镇银行
小微企业
贷款业务
village bank
micro and small enterprises
loan service
