Abstract

China is trying to build inclusive finance system. In current stage, micro-credit is the main part of inclusive financing. China’s five biggest commercial banks occupied almost 40% of all the credit supplied to peasants and micro-enterprises and therefore play an important role in inclusive finance system although big banks are not efficient in micro-credit market according to traditional theory. This article analyzes the reasons, the problems and suggestions for these five biggest banks to supply micro-credit.

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