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南北朝以来小微金融机构在我国已经存续了很久,在经历了寺库质贷、当铺、互助会等形式之后,在长达1000多年的历史中,小微金融机构并未发生太多的演化。但是,近年来,在信息技术和全球化浪潮下,小微金融机构也在贷款手段、风险理念、组织形式等方面的演化取得较大进展,究其原因是由于贷前调查、风控技术、贷后管理等技术进步而导致的内在因素的推动发生较大的改变。在少数小微金融机构技术溢出的带动下,也推动了整体行业的演化。
Since the Northern and Southern Dynasties, small and micro financial institutions have existed in our country for a long time. After going through the forms of loans, pawnshops, mutual aid clubs and other forms of temple treasury, the microfinance institutions did not evolve much in the more than 1,000 years of history. However, in recent years, with the tide of information technology and globalization, small and micro financial institutions have also made great progress in the evolution of lending instruments, risk concepts and organizational forms. The reason is that pre-loan surveys, risk control technologies, After the loan management and other technical advances caused by the internal factors of the great changes have taken place. Driven by the technological spillover of a few small micro financial institutions, the overall industry has also been promoted.