弱势群体帮扶中的金融创新研究——-以台州市商业银行小额贷款为例

鉴于国内外经济金融环境的变化 ,通过金融创新使弱势群体尽可能享有平等的信贷服务机会已到了刻不容缓的阶段。然而 ,我国基层金融机构不仅存在严重的“失血”机制 ,更是缺乏与弱势群体金融需求相适应的信贷服务技术 ,成为制约其生存与发展难以逾越的障碍。台州市商业银行案例表明 :在适当的制度安排下 ,小额贷款不仅能按照商业化可持续原则实现金融机构、弱势群体、政府等主体共赢 ,而且能使弱势群体具有更好的信用 ,承受较高的资金成本 ;弱势群体贫困问题的解除绝不能仅仅通过给予多少资金等“输血”式扶贫援助 ,更重要的是通过金融创新使其尽可能享有平等的信贷服务机会 ,进而促使帮扶产生“造血”功能 ;借鉴国外成功的小额贷款技术 ,通过本土化创新将原先经验化的操作模式固化成能够复制的标准化贷款技术并进行推广 ,是弱势群体获得金融可持续支持的现实选择。

Research on Financial Innovation in the Vulnerable Group-supporting:Based on the Analysis of the Microcredit Developed by TCB

Due to economic and financial changes both at home and abroad , it is a critical phase that the vulnerable group enjoy the equal opportunity of credit services offered in the time of financial innovation . However , there not only exists severe″blood- losing″effect in our fundamental financial institutions , but also lacks credit service technology which is adaptable to the needs of the vulnerable group . These situations have been obstacles that confine their subsistence and development . As indicated by the case of Taizhou Commercial Bank ( TCB) , under properly arranged framework , microcredit based on sustainable commercial principle can benefit financial institutions ,vulnerable group , and government . Moreover , the vulnerable group always has better credit and can accept higher capital cost . To solve the poverty problems of vulnerable group , just helping them by″transfusing blood″or offering capital is not enough;instead , offering the equal opportunity of credit services through financial innovation is more important in achieving the″blood-producing″effect . With the help of foreign technology of microcredit , together with localized innovation , we have to change the experiential mode to repetitive standard credit technology , and spread this mode to larger areas . This is a practical choice with which the vulnerable group gets an access to sustainable financial support .