随着经济不断发展，商业银行在促进地方经济稳定增长、支持中小企业快速发展 和扩大劳动就业等各各方面都有着积极作用。对微小企业及个体工商 户来讲，在现有 的融资渠道中，难以获取足够的资金支持。自改革开放以来，随着市场经济深入发 展，这类企业起着至关重要的作用。这些企业对于就业的增加、经济的增长、 科技的 创新与社会的稳定等各各方面都有重要作用，对国民经济的可持续发展有战略性意 义。 本文通过对比分析国内外先进的研究成果，分析国内微贷业务发展现状及存在问 题，对IPC微贷技术进行介绍，分析了在本地发展微贷业务所具备的优势，通过问卷调 查调，得出A银行引入德国IPC微贷技术的可行性结论。并对A银行引入IPC微贷技术 后的发展 进行分析。总结遇到的主要问题：（1）微贷业务虽然每单位贷款益较大，但 受限于劳动力瓶劲，不容易形成规模效应。（2）整体盈利能力有限，单一营销方式， 获客能力受限 。（3）在经济下行的情况下，风险加大，风险管理及风险防控模式有待 创新。针对上述问题A银行根据本地实际情况，优化改了微贷技术，创新性的将操作 流程进行本土化改良 ，突出核心竞争力；本土化操作流程；独立的风控体系。改良微 贷技术后，微贷业务的发展得到了总分行的大力支持，并给予了大量的鼓励政策，在 总分行的高度重视下微贷业 务得到快速发展。 在本文中，通过A银行对德国IPC微贷技术项目引入这一案例，分析了IPC微贷技 术的特点在引入过程中具体的措施，阶段性总结和分析植入过程，以求为其他银 行及 金融机构发展该业务提供可参照的案例，本文也希望能够为其他企业，在技术、理 念、文化引进时，提供可借鉴的经验。 关键词：IPC，微贷，银行 III ABSTRACT With the continuous development of the economy, commercial banks have a positive role in promoting the steady growth of local economy, supporting the rapid development of small and medium-sized enterprises and expanding labor and employment. For small businesses and individual businesses, it is difficult to obtain sufficient financial support in the existing financing channels. Since the reform and opening up, with the further development of the market economy, these enterprises are playing a vital role. These enterprises play an important role in various aspects, such as the increase of employment, economic growth, innovation of science and technology and social stability, and have strategic significance for the sustainable development of the national economy. By comparing and analyzing the advanced research results, this paper analyzes the current situation and existing problems of domestic micro loan business, introduces the IPC micro loan technology, analyzes the advantages of the local development of micro loan business, and draws the conclusion of the feasibility of the introduction of the German IPC micro loan Technology by the Central Plains bank through the questionnaire survey. It also analyzes the development of Zhongyuan bank's introduction of IPC micro credit technology. Summary of the main problems encountered: (1) although micro loan business per unit loan benefit is larger, but restricted by labor bottle strength, it is not easy to form scale effect. (2) the overall profitability is limited, and the single marketing mode is limited by the ability of customers. (3) in the case of economic downturn, risks are increasing, and risk management and risk prevention and control models need to be innovated. In view of the above problems, the Central Plains bank optimized the micro loan technology according to the local actual situation, and innovatively improved the operation process, highlighted the core competitiveness, the localization operation process, and the independent wind control system. After improving the micro loan technology, the development of the micro loan business has been strongly supported by the general branch, and a large number of encouraging policies have been given, and the rapid development of the micro loan business has been taken seriously in the branch of the general branch. In this paper, through the introduction of this case by the Central Plains bank to the German IPC micro IV loan technology project, this paper analyzes the specific measures in the process of introducing IPC micro loan technology in the process of introducing, summarizing and analyzing the process of implantation in order to provide reference cases for the development of this business by other banks and financial institutions. His company can provide some useful experience when introducing technology, philosophy and culture. Key words: IPC, microfinance, bank V 目 录 摘 要..........................................................................................................................................I ABSTRACT..............................................................................................................................III 1 绪 论.........................................................................................................................................1 1.1 研究背景及意 义...........................................................................................................1 1.1.1 研究背 景...........................................................................................................1 1.1.2 研究意 义...........................................................................................................2 1.2 文献综 述.......................................................................................................................2 1.2.1 微贷相关文献综 述...........................................................................................2 1.2.2 银行业引进小微金融服务相关文献综 述.......................................................4 1.3 研究思路与内 容...........................................................................................................5 1.3.1 研究思 路...........................................................................................................5 1.3.2 研究内 容...........................................................................................................5 2 IPC微贷技术介 绍...................................................................................................................7 2.1 微贷发展历 史...............................................................................................................7 2.2 微贷技术介 绍...............................................................................................................8 2.2.1 福利派的信贷技 术...........................................................................................8 2.2.2 商业派的信贷技 术...........................................................................................9 2.2.3 德国IPC微贷技术介 绍.................................................................................10 2.3 微贷技术的基本原 则..................................................................................................11 2.3.1 报表还原原 则..................................................................................................11 2.3.2 现值原 则.........................................................................................................12 2.3.3 轻押品原 则.....................................................................................................12 2.4 微贷技术特 点.............................................................................................................12 2.4.1 以软硬信息为基 础.........................................................................................12 2.4.2 交叉检验为判断方 法.....................................................................................18 2.4.3 还款能力和还款意愿是放贷的唯一依 据.....................................................18 VI 2.4.4 劳动密集型业务为结 果.................................................................................19 3 A银行引入IPC微贷技术发展状况及存在问题分析 ·.......................................................21 3.1 A银行技术引入发展状况分 析..................................................................................21 3.1.1 本地小