两岸银行业小微金融合作模式探讨——基于路桥的案例分析

台湾银行业十分关注小微企业金融服务，为大陆银行更好开展小微金融提供了借鉴。据此，本文探讨两岸银行业小微金融的合作模式及如何开展合作。首先，本文分析台湾银行业在大陆的投资布局，认为台湾银行投资大陆以开设分支机构为主。其次，本文从技术合作、业务合作和股权合作三个角度探讨两岸银行业小微金融合作模式，并以路桥为例探索两岸银行业小微金融如何开展合作。最后，本文提出推进银行业小微金融合作应采取的配套措施。

The Collaboration of Small and Micro Business Finance between the Mainland and Taiwan：A Case Study from Luqiao,Taizhou

With the fierce competition, Taiwan banking industry has shifted i cial services to small and micro business, which is the highlight for the mainland＇s ts focus on providing finan- banking industry. This pa- per explores the possible collaboration mode of small and micro business finance for banking industries be- tween the mainland and Taiwan. We examine Taiwan banking industry＇s prime investment location in the ma- inland, and find that settting up branches is the primary investment mode. We discuss the collaboration mode from the aspects of technology, operation and equity, and correspondingly how to undertake the collaboration by conducting a case study of Luqiao. This paper proposes the improvement measures to facilitate the collabo- ration.