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网络联保信贷是银行与网络运营商合作开发的一种贷款模式。本文的研究认为现有的担保模式不能够满足中小企业的融资需要,而网络联保这种信贷模式能够提高中小企业的违约成本,降低银行的风险和中小企业的融资费用,从而在一定程度上解决了中小企业的融资困境。由于联保方式本身的缺陷和网络的虚拟性,二者的结合也可能会增加风险,政府要加大引导和扶持力度,银行应该加强风险控制,网络公司应该加强信息甄别和管理,从而使这种新的信贷模式能够迅速健康发展,有效解决我国中小企业融资难的问题。
Network UNPROFOR credit is a loan model developed by banks in cooperation with network operators. The research in this paper argues that the current guarantee model can not meet the financing needs of SMEs. However, this kind of credit guarantee model can increase the default cost of SMEs, reduce the risk of banks and the financing cost of SMEs, so to some extent Solve the financing difficulties of SMEs. Due to the flaw of the UNPROFOR way and the virtual nature of the network, the combination of the two may also increase the risk. The government should step up its guidance and support, and banks should strengthen risk control. The network company should step up the screening and management of information so that the The new credit model can develop rapidly and healthily and effectively solve the problem of financing difficulties for SMEs in our country.