2023年中國普惠金融行業(yè)洞察報告-2023.08

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iResearchInc.1702`洞察?ì業(yè)ó]ā狀I(lǐng)ndustrial

Perspective1801n惠?融篇19

n惠金融???P定O?n惠金融?nt1_?企業(yè)能_獲×ü用一?W合適?金融?品üoá?à?金融?品üoá對í費????wüy?對提????商業(yè)?持?ABSTRACTS?n惠金融???WV~í費g?P?￥g??n惠金融??t標(biāo)o提W?oá??蓋÷1??gü?jié)Mo度摘?y口???_~n惠金融?í模o度??`??￥g?~?àS?í費?s比增?n~?Ow?`ùW?疫情óü{

r2020??來í費?s比Q???n惠?融篇

n惠?n?o?n惠ó]]世}前W?ˉw擁p?數(shù)_oT{金融āx?y?~?_?借?óP÷Pí金籌集效÷高?世}W水?Dkí金融?oá?比?~×提Wn惠?惠?t合融írq~×Q??{÷`W}?×??}r效?<`{÷+ì引導(dǎo)→LPR→?{÷=?o導(dǎo)nóO斷W?X_á×?{÷{op??í費?P?￥??ó?àhW{÷Wtp~×Q??n惠?<惠=獲???段gr果??期{÷^??Q?

?T?n惠金融t合oáā?ì時?數(shù)_o?t??uy÷è???段?X省`?T紛紛w}t立n惠金融t合goáā??銀企`\打|企業(yè)獲?金融oá??oO對āt題?tV`?]ì業(yè)}|期?業(yè)á]g{度響n惠金融O\tV`?ó]?段?í費金融tmur熟期?_?金融]r?期??增???àt金融_ur?期亟à爆ó20??定Oì業(yè)í模ó]r果數(shù)_?t分`nn惠惠??融融n惠金融???P定O?1/2ān惠金融?nt1_?企業(yè)能_獲×ü用一?W合適?金融?品üoá?à?金融?品üoá對í費????wüy?對提????商業(yè)?持?Section

1n惠?融的???

n惠金融???在???幾S?Yó???ùW?w在??提?O_s注?o_額????型金融{?品ü?^÷?活ú?Oā???n惠?融t經(jīng)被?~??üyw^÷涵蓋廣?的一n?t標(biāo)，包??一?W產(chǎn)品1í費?群體1?融oó提??1交Tn道1?T?，以?wT{益tsy2?

2016?_??á?só:è?n惠金融ó]íR?2016—2020?ā;?_?nO對n惠金融??定O?即n惠金融og立足b{?求ü商業(yè)?持??則??????rq~p金融oá需求?bX?^ü?_提?適`1p效?金融oá2_?企業(yè)1Y}1城鎮(zhèn)Pwut?1貧?t?üì疾t1??t{{??_o`前s?n惠金融Tùoá對象2?

2018??ìü世}銀ì集??合óa(chǎn)?o?n惠金融?^?:yw??Q?o?n惠金融?áy1??Psz;?對n惠金融???一ny÷?定O?nt1_微企業(yè)能_獲×ü}一?W\適的?融產(chǎn)品üoó，à些?融產(chǎn)品üoó?í費??言?w安y，?提???言商業(yè)?持?2u?à一定Ot經(jīng)包含?wT??ü?際t??n惠?融?作定Oo的很[q\?}，涵蓋更~廣?，q?^以l~×2?

n惠?融的t標(biāo)?提高?融oó的?蓋÷1??性ü?jié)Mo度，增?p`體ü廣t}群_??融oó的獲?2Section

2n惠?融的業(yè)ó范u?

n惠金融????范?廣?包含ˉwü銀ìtoó1u子oT1投ívˉ1融í?款1??oó1íq`等Ty?融oó2wo?融í?業(yè)áon惠金融范u?g?s注??域?ì業(yè)_通常b更[w^n惠金融???P融í業(yè)á?ìs??óp?tb??^n惠金融{\?n惠金融?vn惠型_?企業(yè)?2q?^將úwn惠?融的融í類業(yè)ó2來源?ì?t瑞ü?|究??|究tv2?2023.8

iResearchInc.21??定Oì業(yè)í模ó]r果數(shù)_?t分`nn惠惠??融融n惠金融???P定O?2/2ān惠金融???WV~í費g?P?￥g??n惠金融??t標(biāo)o提W?oá??蓋÷1??gü?jié)Mo度

金融?對?á_?o?_用?1āí費g?通?緩?]}í費時?流úgt來èú`期í費?提W?]}í費í金流uá_?oā2ā企業(yè)áā?PT???￥g?在?{o緩?企業(yè)ā金流壓?1滿足業(yè)ák張時?í金短需求2í?流uà體經(jīng)o企業(yè)產(chǎn)PT產(chǎn)]}í費經(jīng)營性?款í費性?款?企業(yè)?融ā]更[ˉ富ü就業(yè)會?í費?融ā緩解企業(yè)ā?流壓力，滿足業(yè)ó?dāng)U張時的í?短需n緩解]}í費時的流ú性t，èú`期í費的提W經(jīng)o增?

q?^úw?n惠金融o?融í?業(yè)á?包?í費金融1_?企業(yè)融í1?àt金融?融íā{?wo?àt金融u?被ˉ~o<??_?企業(yè)融í?t題g}?y式=?s?^w_?_?金融xWq\V÷2

{{說n?ì對?n惠金融????口?包?n惠型_?企業(yè)?1Yw??￥?1[業(yè)???1?學(xué)??脫貧t口??won惠型_?企業(yè)?s?對?額?q?^~y?V÷P?一邏

?^?業(yè)á?WV~?￥g?Pí費g?2n惠型_微企?àt金融?通?tP?￥數(shù)o??金融?oá更[oQ?企業(yè)???提高業(yè)?款n惠型_?企業(yè)?í模?提W金融oá?蓋度?\時u??àt金融業(yè)á?àt?融?款W融írqP?n通?用????提Wn惠型_?企業(yè)?滿o度2非n惠型_微企業(yè)?款n惠?融?款的t標(biāo)?o企業(yè)?款d

n惠的<n=?提W?蓋÷P??性，擴í模，oó更[Q沉群體āe

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iResearchInc.22??定Oì業(yè)í模ó]r果數(shù)_?t分`nn惠惠??融融y口???_~n惠金融?í模o度?`??￥g?~?àS?í費?s比增?n~?Ow?`ùW?疫情óü{

r2020??來í費?s比Q???

通常來說????一nì業(yè)?ó]?O??o對?ì業(yè)í模?o度?On惠金融??業(yè)á范??常廣?包含ˉwü銀ìtoá1u子oT1÷ívˉ1融í?1??oá1íq`{Xy金融oá?s??y?r一n?一?口?來衡à2?úwrn惠金融?tV`?ì?×}的n惠?融?款的??口?包?n惠型_微企業(yè)?款1Yw產(chǎn)經(jīng)營?1]業(yè)擔(dān)??款1?學(xué)?款?脫貧t口?款，won惠型_微企業(yè)?款s???性份額，該口?的?立初?on惠型_微企業(yè)?款的T?性，Oà并Oowwn惠?融?款僅包含à些，?àPq?^的??范??該口??u?s?^在^?針對_?企業(yè)??ìt立V÷?àY暫O×用?口?數(shù)o2?áP?u?n惠金融o一n?O?t標(biāo)g????求?o金融業(yè)á?蓋度1??gü?jié)Mo度?持?提W?wā?vó狀態(tài)^o?pí費?ü?￥?W獲?并滿o?金融oá???s???膽??y口??í模來_~n惠金融?í模?o度2?oì???2022?po?金融?t}_境??_額~219O?元2

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iResearchInc.23??定Oì業(yè)í模ó]r果數(shù)_?t分`nn惠惠??融融n惠?n?o?n惠ó]]世}前Wˉw擁p?數(shù)_oT{金融āx?y?~?_?借?óP÷Pí金籌集效÷高?世}W水?Dkí金融?oá?比?~×提W

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