“小额贷款没有万金油的解决方案。是否做得好,就是看能不能在所选的风险偏好的族群里面,把好坏分开,管理到位”。“这个市场在细分了,我想大家更多都是在摸索。不同的模式、角度、切入点,找最适合自己的方式。”徐明(化名)在美国的银行里做过多年小额贷款业务,目前他回到国内寻找在中国做“小贷”的机会。他是当前国内这股“小贷”淘金热中的一员,虽然小微企业融资难,但广阔的市场 “Microfinance is no solution to the problem .It is well done, is to see if we can separate the good from the bad in the selected risk management group.” “This market is subdivided, I think everyone is more exploration. Different modes, angles, entry points, find the most suitable way. ” Xu Ming (a pseudonym) in the United States bank for many years At present, he returns to China to look for opportunities to become a “small loan” in China. He is currently a member of the “small loan” gold rush in the country. Although it is difficult for small and micro enterprises to finance, the vast market