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随着电子商务平台小额贷款业务的崛起,中、小、微企业融资贷款领域出现了新格局。本文主要探讨电商相对与传统银行业在“微贷”领域的竞争力及劣势,以及其对中外资银行业长短期的影响,从而为中国银行业在小额贷款领域的发展提出政策性建议。
With the rise of the micro-loan business of e-commerce platform, a new pattern appears in the field of financing loans for medium and small-sized and micro-enterprises. This article mainly discusses the competitiveness and disadvantage of the E-commerce relative to the traditional banking industry in the field of micro-credit and its impact on the short-term and long-term of the Chinese-foreign-funded banking sector, so as to put forward policies for the development of China’s banking sector in the area of micro-loans Sexual advice.