关于“团体贷款”的建议

Some Suggestions for Group Lending

目前中国金融领域内存在的一个问题是银行的“惜贷”与广大中小企业、农民和农业的资金需求无法得到满足,从而导致资源配置的效率低下;同时银行内部也存在着缺乏横向监督的弊病。我们所倡导的“团体贷款”因在还款率方面的巨大成功而早已为包括美国在内的许多发达国家和发展中国家所仿效,同时我们也认为它对于解决我国银行的“惜贷”和银行内的弱横向监督的问题具有重要的启示意义。

At present, the main problem existing in China's financial sector is that banks are reluctant to provide lending so that the majority of large, small and medium-sized enterprises, farmers and agriculture are in desperate need of money, which leads to an inefficiency of resources allocation. And the malpractice of lateral supervision also exists in banking. Fortunately, the group lending we advocated has attained a great success in raising the proportion of money -refunding and has been popularized in many developed countries (including U.S.A) and developing countries. We also believe that it is of important implication on solving the problem mentioned above.