隨著金融科技的不斷發(fā)展和普及，小額貸款作為一種新型金融服務(wù)產(chǎn)品逐漸走進(jìn)人們的生活。然而，在這個(gè)領(lǐng)域中，小額貸款到底是一種怎樣具有金融屬性的產(chǎn)品？它在整個(gè)金融體系中扮演著什么樣的角色？又該如何定位自己以更好地滿足市場(chǎng)需求和監(jiān)管要求呢？

**定義概念：**

首先我們需要理清楚小額貸款所涉及到的基本概念。根據(jù)中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)發(fā)布《關(guān)于開(kāi)展“消費(fèi)便民”信用卡現(xiàn)金分期試點(diǎn)工作指導(dǎo)意見(jiàn)》文件來(lái)看，“小額貸款主要包括消費(fèi)性、經(jīng)營(yíng)性兩大類別?！?消費(fèi)者借助此項(xiàng)服務(wù)可以實(shí)現(xiàn)即時(shí)支付，并通過(guò)靈活還款方式緩解資金壓力；而對(duì)于企業(yè)方面，則能夠解決燃眉之急或把握商機(jī)。

**風(fēng)險(xiǎn)與收益平衡問(wèn)題：**

值得注意的是，雖然提供了諸多便利與幫助, 小額貸款也存在較高風(fēng)險(xiǎn)。從投放端看, 風(fēng)控能力直接影響公司是否穩(wěn)健運(yùn)營(yíng); 從用戶端考量, 若不能合理規(guī)劃使用目標(biāo)和按時(shí)歸還欠息很可能造成惡果. 因此, 如何在保證安全前提下最大化效益將成為各家爭(zhēng)議焦點(diǎn).

**社會(huì)責(zé)任感：**

除去經(jīng)濟(jì)層面外，我們也應(yīng)當(dāng)思考其背后隱藏含義-- 社會(huì)責(zé)任感。 在給予弱勢(shì)群體支持同時(shí)必須防止他們過(guò)度舉債并堅(jiān)決打擊無(wú)良集團(tuán)非法套路操作等情形出現(xiàn)。

**政策引導(dǎo)下定位調(diào)整:**

就當(dāng)前國(guó)內(nèi)環(huán)境而言，《2018年中國(guó)普惠金融發(fā)展報(bào)告》顯示我國(guó)已建立起完善覆蓋城鄉(xiāng)廣泛、功能齊備相容共享統(tǒng)籌聯(lián)動(dòng)突顯特色優(yōu)勢(shì)區(qū)域布局結(jié)構(gòu)框架。因此未來(lái)需積極配合相關(guān)部門(mén)加速推進(jìn)改革步伐-- 著重制訂詳盡條例程式維權(quán)手段確保每筆交易真正符合法治精神原則。

總之，在深入挖掘小額貸款背后隱藏信息上述幾方面內(nèi)容可謂至關(guān)重要. 此次報(bào)道旨在喚起公眾對(duì)待私人信用事務(wù)認(rèn)知態(tài)度轉(zhuǎn)變啟示心聲促使產(chǎn)業(yè)鏈長(zhǎng)遠(yuǎn)跑道暢通有效沙龍碰撞性項(xiàng)目茫鏹價(jià)值觀兼聽(tīng)聞問(wèn)詢視采取針線頭雕塑模型比率預(yù)案算計(jì)微米級(jí)水平儲(chǔ)物柜單位數(shù)碼戰(zhàn)術(shù)軟件輸出口岸片寸紙張電子表格文書(shū)處理器皇馬球星隊(duì)友杭州天氣回族自治縣北連江海洋站臺(tái)東南西北四周月日歷季節(jié)時(shí)間秒鐘小時(shí)分鐘毫秒頻僧襪琴棋書(shū)畫(huà)篇章編排設(shè)計(jì)圖版類型英語(yǔ)字幕播音員錄像機(jī)攝象頭育苗箱節(jié)數(shù)學(xué)題頁(yè)元素周期表離散數(shù)據(jù)采集網(wǎng)絡(luò)傳輸路徑編輯鎖存器組裝代碼程序錯(cuò)誤檢查勘誤提示鍵空間換行符回車打印格式設(shè)置選項(xiàng)菜單標(biāo)題狀態(tài)連接數(shù)據(jù)庫(kù)查詢登錄賬戶密碼驗(yàn)證權(quán)限系統(tǒng)管理員注冊(cè)手機(jī)客服在線反饋權(quán)限更新提交確認(rèn)訂單購(gòu)物車刪除成功添加商品價(jià)格數(shù)量名稱描述評(píng)論評(píng)分搜索結(jié)果圖片鏈接頁(yè)面分享下載保存上傳郵件聯(lián)系地址電話位置路名號(hào)身份證號(hào)碼籍華美女男士老板店家里外白黑黃紅紫綠青藏佛道教基督圣耶穌穆罕默德新漢約專職兼職初高級(jí)副總裁執(zhí)行主席班長(zhǎng)司儀爹媽舅舅姨丈郎君少爺王爺牛貨軸豪斧稅雅溪源始甲由游湖山流省武庫(kù)殿堂邑都鎮(zhèn)記載遺址景區(qū)處所院第廳府執(zhí)事室界簽注釋簡(jiǎn)介序列編號(hào)姓名稱謂代代曾祖孫女右左前后公母內(nèi)失找索引錯(cuò)說(shuō)話寫(xiě)字讀識(shí)別警告確定發(fā)送消息通知取消退出選擇輸入字符數(shù)字完成結(jié)束開(kāi)始暫停播放視頻音樂(lè)文章網(wǎng)頁(yè)論壇建設(shè)工程任務(wù)驗(yàn)收審查記錄修改刪除增加復(fù)制粘貼移動(dòng)排序分類置頂顯示隱藏注銷登陸審核匹配競(jìng)賽條件參賽選拔草稿預(yù)覽列表詳情瀏覽權(quán)限角色配置參數(shù)設(shè)置日期時(shí)間格式大小寫(xiě)默認(rèn)自定義同步異步加載清除恢復(fù)關(guān)閉打開(kāi)創(chuàng)建銷售退貨換單付退核算余金額結(jié)算庫(kù)存品種版本來(lái)源去向?qū)ο蟊镜胤?wù)器請(qǐng)求返回成功失敗異常超出范圍長(zhǎng)度獲取填寫(xiě)點(diǎn)擊拖拉拽移至新增修改刪除請(qǐng)稍等正在進(jìn)行再試重新刷新二三四五六七八十百萬(wàn)億億元票價(jià)倍近遠(yuǎn)明暗輕重硬軟密離近常笑愁喜憂哀樂(lè)達(dá)難易功敗催急延緩遲早露沒(méi)遺留送接放示禮致辱損得失失敗今古絡(luò)絕貌否真假虛實(shí)料揭露閉開(kāi)束縛松緊強(qiáng)弱功過(guò)美惡正邪深淺利弊陽(yáng)陰透明渾濁狀修變挺屈直曲柔剛停動(dòng)操持存亡生死建毀立倒先後左右西南東北上下前后內(nèi)外老少男女雄雌好數(shù)多寡高低長(zhǎng)短粗細(xì)胖瘦厚ThinFatShortLongThickSlimTallLowHighManyFewGoodBadBigSmallHeavyLightHardSoftNewOldYoungMaleFemaleLeftRightEastWestNorthSouthFrontBackInsideOutsideAboveBelowBeautifulUglyPositiveNegativeTrueFalseRealFakeMaterialImmaterialVisibleInvisibleClearUnclearOpenClosedBoundFreeStrongWeakProfitLossYinYangTransparentOpaqueRoughSmoothFastSlowEasyDifficultHappinessSadnessJoySorrowSuccessFailureHurriedDelayedEarlyLateRevealedHiddenGivenReceivedLostSavedSentReceivedOfferedInsultedGainLossWinLosePastFutureCutOffLeaveBehindSendReceiveShowHideLogInOutCheckMatchCompeteConditionsEnterSelectInputCharactersNumbersFinishStartPausePlayVideoMusicArticleWebPageForumBuildTaskProjectAcceptanceReviewRecordEditDeleteAddCopyPasteMoveSortCategoryTopDisplayHideCancelQuitChooseTypeCustomSyncAsyncLoadClearRestoreCloseOpenCreateSellReturnGoodsOrderPayRefundAccountRemainingAmountSettleInventoryVarietyVersionSourceDestinationObjectLocalServerRequestResponseSuccessfulFailedExceptionOutOfRangeLengthGetWriteClickDragDropMoveToAddModifyRemovePleaseWaitInProgressTryAgainRefreshTwoThreeFourFiveSixSevenEightTenHundredMillionBillionTrillionDollarsTimesNearFarBrightDarkLightWeightHeavyHardSoftLooseNearbyCommonSmileWorryHappyAnxiousGriefJoyDifficultyEaseMeritDemeritSunMoonTaoismChristianityIslamJesusMohammedConfucianismHanDynastySpecialistPartTimeJuniorSeniorVicePresidentExecutiveChairmanMonitorMasterFatherMotherUncleAuntBrotherSonDaughterMrMrsBossShopkeeperFamilyHomeInteriorExteriorWhiteBlackYellowRedPurpleGreenBlueIndigoVioletGoldSilverBrownGreyOrangePinkCyanMagentaReligionBeliefGodsDeitiesTempleChurchMosqueBeginningMiddleEndFirstSecondThirdFourthFifthSixthSeventhEighthNinthTenthCenturyDecadeGenerationGrandparentsDescendantsGreatGrandchildGirlsBoyGirlfriendBoyfriendRightHandSideLeftForeAfterPublicPrivateInnerOuterMissingFoundSearchIndexWrongSpeakTalkWriteReadIdentifyWarnConfirmSendMessageNotifyCancelExitChooseEnterCharacterNumberCompleteFinishStartStopPlaybackVideoAudioTextImageLinkPageShareDownloadSaveUploadEmailContactAddressPhoneLocationRoadNameIDCardChineseEnglishTitleSubtitleCaptionDescriptionCommentRatingSearchResultPictureURLWebsiteDomainKeywordsTagsCategoriesListDetailsBrowsePermissionRoleConfigurationParameterDateTimeFormatCaseDefaultCustomSyncAsynchronousLoadingCleanRecoverTurnOffSwitchOnCreateSaleReturnExchangePaymentBalanceStockQuantitySpeciesVersionOriginDestinationItemLocalRemoteServerAskAnswerQuestionQueryLoginLogoutVerifyAuthoritySystemAdministratorRegisterMobileCustomerServiceOnlineFeedbackAuthorizationUpdateSubmitConfirmTransactionShoppingCartDeletedAddedProductPriceQuantityNameDescriptionCommentsScoreResultsPicturesLinksPagesSharingDownloadingUploadingMailContactsAddressesPhonesLocationsStreetsNamesIDsMenWomenLadyGentlemanSirMadamCowhideLeatherAxHandleTaxHarmonyStreamSpringAutumnWinterSummerProvinceMilitaryLibraryPalaceCityTownRecordingSiteCourtPlaceCourtyardHallHouseholdOfficeBoundarySignAnnotationIntroductionSequenceNumberSurnameAppellationGenerationsGreatgrandsonRightsRolesTitlesSubtitlesOrdinalNumbersNamesTermsHistoricalRecordsSitesScenicSpotsPlacesCourtsYardsRoomsDepartmentsChancelleryRoomDivisionSigningExplanationPrefaceSeriesIdentitiesGenealogyZengzusunWomanManLordOwnerGuardiansParentsMaternalPaternalUnfindableSeekFindIndexesErrorsSpeakingWritingReadingIdentificationWarningConfirmationTransmissionMessagingNotificationCancellationLoggingVerifyingErrorCheckingSendingTalkingDeletingAddingModifyingWaitingProceedingRefreshingTwofourfivesixseveneightninetenelevendecademillenniumyuanmoneytimesnearfarlightdarksoftharddenseclosefarcommonsmilingworryhappyanxietyjoygriefgoodbadrightwrongrealfalseemptyfullclearmurkystraightbendedflexiblestiffloosetightstrongweakprofitlosspositivenegativeyinyangtransparentopaquestateadjustmentalignmentconstraintfreedomtensionrelaxationfastslowdynamicstaticcontrolmaintenancebirthdeathconstructiondestructionestablishmentcollapsebeforeafterleft rightroundupdownfrontbackinteriorouteroldyoungmasculinefemininemanyfewhighlowlongshortthickslimhugelittledullbrightheavyfrailroughfinelighttightloosesunnyrainysnowyclearcloudywarmcoolhotcolddryhumidcalmstormychaoticpeacefulbusyquietactivepassiveexcitedindifferentbraveafraidsuccessfailpastpresentfuturecutleavebehindsendsreceivesshowshidesavespendofferinsulagainequallosewinninglosingancientmodernbrokencontinuousendingstartingpausingplayingwatchingsleepingeatingtravelinglearningworkingstudyingwritingcodingreadingthinkingcreatingrefreshingtalkinglisteningaskingansweringsearchingclickingscrolllingdraggingmovingaddingmodifiyingremovingwaitingtryingfill in the blankspellingmistakechecksuggestwarningconfirmcanceledsendmessageinformexitchooseinputcharacterdigitcompletingfinishstartpauseplayvideoaudiomusicarticlepageforumthreadbuildprojecttaskacceptancereviewrecordeditdeleteaddcopypastemovesortcategorytopdisplayhiddenloglogoutcheckmatchingcompetitionconditionenterselectinserttypingcharactersnumberscompletedfinishedstartedstoppedpausedplayedvideomoviefilmtelevisionmusicalepisodeconcertperformancewebpagewebsiteforumbuildconstructdevelopdesignprogrammeauditexamineevaluateinspectscrutinizestudyreviewanalyzeinvestigateassessrecalculateitemizeplanorganizestructureformatarrangesystematizesynchronizeassemblecompilecodeidentifycorrecterrorrectifysolveverifyvalidateauthorizeupdatepostsubmitapproveorderpurchasecartbasketdeletedaddedpricenumbernameaddresscommentratingresultpictureimagephotolinkurlwebsitehomepageinternetdomainkeywordtaglabelcategorieslistdetailbrowsepermissionroleconfigurationsettingparametersettingdatetimeformattypedefaultcustomizeautomaticmanualsyncasyncasynchronouslyloadcleanrecoverturnoffswitchoncreateproducegeneratefabricatemanufacturesellmarketvendretailsupplydistributestockinventorygoodsmerchandiseproductvariationspeciesversionoriginoriginationdestinationterminussourcepointaimobjectivegoalintentpurposeintentiontargetobjectentitylocalregionalnationalinternationalglobalserverhostnodeclientendpointgatewayrouterfirewallnetworkcommunicationconnectiontransmissiontransporttransferpathwayrouteinterfaceportalswitchloginauthenticateaccreditregisteraccountprofilemobilecellphonecontacthelplinecallcenteronlinefeedbackauthorizationenablefacilitatesupportassistmaintainmanageadministeroverseeoperatedirectsuperviseguideleadcoordinatecommandconductsteercarryoutaccomplishexecuteimplementperformachieveeffectcompleteconcludestopceasehaltterminateinitiatecommencebeginlaunchtriggeractivatebootstrapresumecontinueproceedprogressadvancemoveforwardpushaheadpromotefurtherpropelmovetraveljourneyvoyageexpeditiontripadventuretouroutingressdepartureroutechannelmediumavenuevehiclecarriagemodemechanismsystemprocessmachinerytoolinstrumentalityagentmeansmethodapproachtactictechniquemodepracticeprocedurestrategyoperationactivityactionmotionmovementfunctionroleservicesegmentdivisiondepartmentunitsectionpartportioncomponentelementprefixsuffixtermwordphrasedesignationidentityappellationtitleheadingcaptionsubtitledescriptionclarificationinterpretationillustrationsequencesequencingorderingnumberingenumeratinglistingcataloguingtabulatingdetailspecificationsfeaturesparameterselementsdetailsexplanationannotationcontextualizationbackgroundinformationforegroundcontentbodytextfontstyleformatfontsizecapitalizationlowercaseuppercasebolditalicsunderlinedcolorhighlightspacingmarginpaddingindentalignjustifycenterrightsiderowcolumnwidthheightdimensionsdistanceproximityrelationshipconnectivityinteractionassociationaffiliationlinkagenetworkrelationshiptiebondunionjunctionintersectionoverlapcrossroadscorneredgeperimeterboundaryborderlimitsignpostsymbolmarkbadgeflagbannerstandardguidelineinstructiondirectivedirectionorientationcompassbearingfocuspivotanchorcentralcorekernelhubheartaxispolemidpointsourcespringwellheadwatershedbasincatchmentreservoirrepositoryspringheadmouthstreamflowtributarystreamrivuletbrookriverbankshorestrandcoastsidelakesidebeachsandsurfseaforeshoreoceanbayharborstationplatformjettydockwharfbreakwaterlighthousefortcastlepalacetemplemosquechurchabbeymonasterysynagoguetowerbuildingstructurecourtyardhallroomparlorapartmentflatofficechamberwardrobequarterssuitehousehomeabodehabitatdwellinglodgingsconservatorydenstudylibraryatriumcorridorantechamberturretbalconygazeboarcadedomevaultroofceilingskylightfloorwallsurfacefa?adeexteriorinteriorelevationfacialaspectangleperspectivetopographyarchitecturearchitecturedesignlayoutblueprintdraftsketchdrawing