小额信贷在西藏的实践评析

Analysis and Comment on the Microfinance Practice in Tibet Autonomous Region

文章以通过长期演化而在世界范围内获得普遍认可的小额信贷典型机制和相应理论为规范,以实际调研获取的数据资料为佐证,力图规范分析和经验实证中国农业银行西藏自治区分行和西藏扶贫基金会在西藏农牧区开展小额信贷近10年所取得的成效。研究发现,在覆盖率和扶贫方面取得良好成效的同时,由于机构自身的性质和西藏农牧区经济的显著差异性,农行西藏分行和西藏扶贫基金会的小额信贷分别存在定位模糊、激励不足和拓展困难等问题。据此作者提出明确农行西藏分行的商业化定位,鼓励邮政银行西藏分行开展小额信贷以促进竞争和培育政策性小额信贷机构的政策建议。

This thesis used the generally accepted framework of well-evolved microfinance mechanism model and relevant theory in the world as a basic tool,and collected certain number of datas through structured interview,tried to use quantitative way under this framework to evaluate ABC and TPAF s performance in ten years interims of microfinance practice in the rural agricultural and animal husbandry communities of TAR.According to the survey,the authors found that they have fine outcome as coverage rates and povert...