印度小额信贷危机以及对中国的警示

小额信贷是个卖方市场。在印度,过高的利率招致大量逐利资金涌入,而急速增长和过于集中的小额信贷机构形成恶性竞争并最终酿成危机。中国小额信贷健康发展的策略是:建立社会绩效考核体系,防止目标偏离;实行利率管制,防止对贫困群体雪上加霜;杜绝滥用小额信贷概念,防止盲目冒进;加强对商业性资金进入的监管,防止系统风险发生。

India Microfinance Crisis and its Enlightenment to China

Microfinance is a seller market.In India,the high interest rate attracts a lot of capital to push in,but the microfinancial institutions which are growing rapidly and too centralized breeds the crisis as a result of vicious competition.The healthy development strategy for Chinese microfinance is to set up an the social appraisal system based on social performance and prevent the target from deviating,implement the interest rate control and avoid the poor in a worse situation,stop the misuse of the concept o...