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近年来,随着利率市场化进程的加快,金融脱媒的加剧以及互联网金融的兴起,不同类型的金融机构都将小微金融作为重点业务领域进行了拓展,并形成了以城商行模式、股份制商业银行模式及互联网金融模式为代表的小微金融商业模式。为顺应行业发展要求,金融机构要转变观念,提升小微金融实力,抢抓行业发展先机,本文结合小微金融业务的特点、难点,简要分析金融机构在小微金融模式创新方面的探索与尝试。
In recent years, with the acceleration of marketization of interest rates, the aggravation of financial disintermediation, and the rise of Internet finance, various types of financial institutions have expanded their small and micro finance as key business areas and formed a series of models including the city commercial model, the shareholding system Commercial banking model and the Internet financial model as the representative of the micro-financial business model. In order to comply with the requirements of the development of the industry, financial institutions should change their concepts, enhance the financial strength of small and micro enterprises, seize the opportunities in the development of the industry. Combining with the characteristics and difficulties of small and micro financial businesses, this paper briefly analyzes the exploration of financial institutions in the innovation of small and micro financial models try.