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印度小额信贷危机震惊了全球,唤醒了人们对高利率盈利模式的反思。近年来,印度小额贷款利率持续上升并维持于高位——而极高的利率并非基于成本和风险的考虑——挤出经营性贷款需求——借款人因无力偿债而引发社会危机。危机表明,高利率的小额贷款只会为其经营者带来持续的高利润,而借款人的生计则陷入不可持续的困境。中国小额信贷起步较晚,但在利率问题上存在同样盲区。高利率在中国同样难担脱贫之任,低收入者的希望是支付得起的低利模式,即信贷的互助合作。 相似文献
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建设社会主义新农村需要大量的资金投入,特别是小额农贷对农民致富持续发展无疑又是举足轻重。本文首先分析了我国农村小额信贷存在的问题,进而指出了其未来的发展路径。得出邮政储蓄银行在农村小额信贷业务方面大有可为。最后分析了邮政储蓄银行农村小额信贷风险的防范措施。 相似文献
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Moh'd Al‐Azzam 《Bulletin of economic research》2016,68(Z1):182-202
Misunderstandings about the structure of microcredit interest rates continue to generate rich criticism of the industry's high interest rates. Research has focused attention on the cost structure of interest rates and, more recently, on macroeconomic and macro‐institutional factors. While the cost structure is probably the most important determinant of interest rates, other factors also matter. In addition to other important results that usually validate the empirical literature, this paper finds that microcredit interest rates respond positively to corruption. The analysis shows that there is asymmetry between the effects of corruption, depending on whether or not the MFIs are regulated. While corruption has a positive and significant impact on interest rates of unregulated MFIs, it has a negligible impact on interest rates of regulated MFIs. 相似文献
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《Business History》2012,54(3):441-461
This article analyses the development and functioning of the microcredit industry in Palestine in the period between its establishment as a partially autonomous political entity (1994) and the Israeli invasion of the Gaza Strip (2008). The article shows how, despite the increase in potential demand for microcredit due to the deterioration of the economic environment, the growth of the sector has been below expectation. One of the most important causes of this phenomenon has been the reluctance to lend resulting from the growing risk of late or no repayment of loans. Using original data from one microcredit institution (Arab Centre for Agricultural Development) and a quantitative approach, the article investigates the causes of this problem. Results show that the risk of late repayment was negatively correlated to the level of interest rate, to macroeconomic conditions, and to the age of the borrower while it was positively associated to the share of investment in the Gaza Strip, and to the size of loans. 相似文献
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小额信贷业务的偏差与规范 总被引:3,自引:0,他引:3
小额信贷在当前遭遇了发展困境,贷款余额逐年下降,究其原因在于小额信贷发展过程中出现了嫌贫爱富、期限偏短、扭曲运行这三大偏差,为保证小额信贷的健康发展,亟需还原小额信贷的本来特性,对运作细节进行调整,摆正政府的位置。 相似文献
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以水库移民直补资金为切入点,描述了当前金融机构在直补资金发放中承担的支付媒介功能,分析了在直补资金发放中金融机构的金融功能受制因素。借助案例得出以下结论:信用贷款存在有效需求,金融机构应为有融资需求且享受直补资金的移民提供融资服务;直补资金转为小额贷款模式能够发挥金融机构的金融功能,提高直补资金的使用效益。 相似文献
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Matteo Pedrini 《International Journal of Human Resource Management》2013,24(16):2455-2481
AbstractGender diversity is generally recognized as relevant in microfinance, and the relationship between gender diversity and firms’ performance has received attention in academic literature. The above-mentioned relationship has not been addressed until now in the microfinance industry specifically. This study seeks to explain the role played by gender diversity in the workforce of microfinance institutions (MFIs) during turbulent periods in the firms’ performance. The study analyses data from 555 ratings of 185 MFIs from MicroFinanza Rating, a leading microfinance rating agency. The analysis shows that the number of women on the staff of MFIs is significantly and positively associated with both the Return on Equity and Operational Self-Sufficiency of MFIs, indicating a positive impact of gender diversity on firms’ performance. 相似文献
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Xia Li Christopher Gan Baiding Hu 《Journal of Chinese Economic and Business Studies》2013,11(3):239-261
The impact of microcredit on women's empowerment remains controversial, as documented in the microfinance literature. While some studies claim that microcredit helps women increase their income earning abilities, leading to greater power to overcome cultural asymmetries, others contend that small loans allocated to women are usually controlled by their spouses, which results in more severe subordination of women and leaves them more vulnerable to the patriarchy system within the household and/or at society level. This paper evaluates the empowerment impact of microcredit on rural women in China. Logistic regression is employed for empirical analysis and data are collected through a rural household survey. The results confirm that microcredit has a significant impact on five dimensions of women's empowerment, ranging from economic security to awareness of social/legal issues. 相似文献