| At the beginning of the reform and opening up,our country is vigorously promoting the loan program for self-employed households.However,over thirty years have passed.The loan schemes for self-employed households in our country have not only failed to progress at all,but also faintly have a tendency of retrogression.This is mainly because China's financial system is relatively unable to meet the needs of individual entrepreneurs and the corresponding financial institutions are relatively unable to exert their normal performance.In 2012,China's Postal Savings Bank officially launched a personal business loan program and conducted pilot projects at the first and second level in many provinces in our country.The pilot proved to be quite good.China's individual business households loan plan to be achieved,the market economy to continue to achieve rapid development,personal business loan company is essential.Commercial banks in our country have a high threshold of financing and a lot of problems of information asymmetry.As a result,there are not many self-employed households that have succeeded in financing from commercial banks.Individuals want to start their own businesses and self-employed households want to maintain their normal operations,then a large extent they need to obtain financing through personal business loans.Individual business loans are mainly targeted at self-employed households that are relatively incapable of obtaining large-scale financing from commercial banks.Individual loans to small and medium-sized commercial banks and commercial banks not only do not conflict but make up for the deficiencies of commercial banks.On the other hand,personal business loans also regulate the right and sunshine financial investment channels for those non-governmental capitals that are free from the financial system in our country.While reducing the corresponding investment risks,they also invigorate the economy,For our country's market economy has made no small contribution. |
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