开展我国小额消费信贷的研究

论述小额信贷作为金融业服务创新的一种方式,在扶持贫困阶层发展经济、生产自救等方面的积极作用。分析由于我国小额信贷业务起步较晚,因而存在个人资信评估体系不健全、信贷手续烦琐、收费标准不统一等问题。提出通过建立个人信用评估和调查机构、制定资信挂钩的优惠政策、加强个人信贷资料档案管理等措施完善管理体系建设,使小额信贷在提高人民生活水平和促进经济发展中发挥更大的作用。

Research of Developing Small Consume Load in China

Disscussed the actived role of small credit,as the innovation way of financial serve, in developing economy and provide for and help oneself by engaging in production for helping the poverty stratum.Analyzed the problems of building perfect personnel credit appraisal system, the laod precedures being too overelaborate, the fee standard being not uniform.Raised up the countermeasures to build the organization of personnel credit appraisal and investigation, to draw up the preferential policies connecting with the personnel credit, to strenthening the files management of personnel credit, in order to ferfecting management system construction and make the small load play a more important role in improving people's life and prompting economy development.