小额贷款业务是一种以低收入阶层为服务对象的小额度、持续化的信贷服务方式,现已成为各家商业银行业务拓展的必争之地。针对小额贷款业务授信、审批、额度确定等问题,本文以宁波银行推出的新型小额贷款产品——＂白领通＂为例,对其产品特色及弊端进行了相关探讨。%Small loan business is a way of credit service for the low-income with small amount of credit,which has now become a battleground business of commercial bank striving for.In view of several items in small loan business,this paper, taking the "White-Collar" of Ningbo Bank for an example, inquire into its features, advantages and disadvantages.
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