| 国际小额信贷模式运作机制比较研究 |
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| 引用本文： | 范香梅,彭建刚.国际小额信贷模式运作机制比较研究[J].国际经贸探索,2007,23(6):50-54. |
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| 作者姓名： | 范香梅 彭建刚 |
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| 作者单位： | 湖南大学,金融学院,湖南,长沙,410079 |
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| 基金项目： | 国家社会科学基金
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湖南省社会科学基金 |
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| 摘 要： | 国际上公认有成效的四种小额信贷模式在贷款抵押、利率形式及目标客户的选择等运作机制设计上存在差异.通过比较发现以连带责任替代抵押担保、以市场化利率取代贴息利率及采用动态贷款激励是这些模式取得高还款率和绩效的关键.为使小额信贷能在新农村建设中发挥作用,我国应建立以农村信用社为基础、市场化运作的小额信贷模式,把联保机制引入农村经济组织及实施差别利率,实现小额信贷财务持续性、服务穷人与社会效益的平衡发展,最终缓解或消除贫困.
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| 关 键 词： | 小额信贷 连带责任 市场化运作 |
| 文章编号： | 1002-0594（2007）06-0050-05 |
| 收稿时间： | 2007-01-25 |
| 修稿时间： | 2007-01-25 |
Comparison between International Microfinance Mechanisms and Its Enlightenment |
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| FAN Xiang-mei,PENG Jian-gang.Comparison between International Microfinance Mechanisms and Its Enlightenment[J].International Economics and Trade Research,2007,23(6):50-54. |
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| Authors: | FAN Xiang-mei PENG Jian-gang |
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| Institution: | College of Finance, Hunan University, Changsha 410079, China |
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| Abstract: | This paper makes a comparative analysis of the lending technology,repayment incentives and financial sustainability of the microfinance in terms of four cases of GB,Banco sol,BRI and Village Banks.Then based on the practice of China's microfinance and its deficiencies,some suggestions such as marketing mechanism,legal microfinance institutions and deregulated environments are put forward. |
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| Keywords: | microfinance joint responsibility interest rate liberalization |
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