商业性小额贷款公司进入欠发达地区农村信贷市场的再思考

为了加大对农村的信贷供给,银监会放宽了农村小额信贷市场的准入门槛,虽然在发达地区的实践可能证明这一政策是有效的,但是对于广大欠发达地区的农村,这种局部经验的适用性仍有待进一步的理论和实践验证。本文从宏观和微观两方面对商业性小额信贷公司进入欠发达地区农村后可能产生的影响进行了分析,得出一些初步结论,并提出相关建议。

On Commercial Micro-credit Companies Entry into Underdeveloped Rural Areas

In order to increase credit supplies in rural areas,China Banking Regulatory Commission has relaxed the admittance threshold of rural micro-credit market.Although the policy's effectiveness may be proved by the practice of the developed region,whose validity still needs to be confirmed in the underdeveloped rural areas.This paper analyzes the possible impact when the commercial micro-credit company enters the underdeveloped region to manage in the rural areas from macroscopic and microscopic aspect,draws some preliminary conclusions,and advances corresponding suggestions.