小额贷款公司无抵押小额信贷技术理论机理分析

摘要

The problem of financing difficult restricts the healthy and orderly development of Micro and small enterprises for a long time .The emergence and development of microfinance company not only meet the financing needs of micro and small enterprises but also the ratio of non-performing assets of microfinance companies is significantly lower than that of the commercial banks which originated from that the microfinance companies generally adopts a new microfinance technology w hich is different from thetraditional credit technology in commercial banks .This paper analyzes the basic mechanism of unsecured microfinance technology from a theoretical point of view and suggests that refining and improving of the unsecured microfinance technology are important to solve the micro and small enterprise financing difficulties .%融资难问题一直阻碍着我国微小企业的健康有序发展。随着我国小额贷款公司的出现与蓬勃发展，小额贷款公司不仅在一定程度上满足了微小型企业的融资需求，而且其坏账率还显著低于商业银行，这源于小额贷款公司普遍采用了一种不同于商业银行传统信贷技术的新型信贷技术。论文以小额贷款公司无抵押小额信贷技术作为研究对象，从理论角度分析了其运作的基本机理，对于提炼和提高针对微小型企业的无抵押小额信贷技术，帮助微小型企业脱离融资困境具有借鉴意义。