真实小额信贷与女性扶贫

Real Microfinance and Assisting Poor Women

国内理论和实践领域对小额信贷的确切含义、扶助对象、从业机构、政府态度等还存在相当大的分歧,急需澄清。本文对小额信贷进行辨析和界定,提出“真实小额信贷”应该按照国际通行模式坚持主要扶助贫困妇女的原则,并根据真实小额信贷的资金来源和特征,从妇联组织的性质、基本职能、组织网络、性别沟通优势和从业经验等五方面论证了妇联系统承担真实小额信贷业务的合理性和可能性。文章最后提出了政府支持妇联从事真实小额信贷工作的政策性建议。

The obvious disputes about the exact implications, the assistant target, the managing institution of and the governmental attitudes toward the Microfmanee, which seriously needed to clarify, exist in the domestic theoretical and practice the field. First, the paper, on the basis of enumerating the different viewpoints about Microfinance, differentiates and analyzes and defines the ＂Real Microfinance＂. And then, it raises the standpoint that the Microfinance must insist on the principle, i. e. assisting poor women according to the common model in the foreign countries, like Bangladesh. After that, it demonstrates the rationality and possibility that the All - China Women＇s Federation （ACWF） engages in the management of Microfinance, in terms of the sources of funds and the features of Mierofinance in China, the five aspects of characteristics such as the identity, basic functions, institutions net, same sexuality and intercommunicating convenience of the ACWF. Last, some comments on the policies about the Microfinance, by which the government help ACWF, are raised.