国际小额信贷模式运作机制比较研究被引量：17

Comparison between International Microflnance Mechanisms and Its Enlightenment

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摘要国际上公认有成效的四种小额信贷模式在贷款抵押、利率形式及目标客户的选择等运作机制设计上存在差异。通过比较发现以连带责任替代抵押担保、以市场化利率取代贴息利率及采用动态贷款激励是这些模式取得高还款率和绩效的关键。为使小额信贷能在新农村建设中发挥作用,我国应建立以农村信用社为基础、市场化运作的小额信贷模式,把联保机制引入农村经济组织及实施差别利率,实现小额信贷财务持续性、服务穷人与社会效益的平衡发展,最终缓解或消除贫困。 This paper makes a comparative analysis of the lending technology,repayment incentives and financial sustainability of the microfinance in terms of four cases of GB, Banco sol, BRI and Village Banks. Then based on the practice of China＇s microfinance and its deficiencies,some suggestions such as marketing mechanism,legal microfinance institutions and deregulated environments are put forward.

作者范香梅彭建刚

机构地区湖南大学金融学院

出处《国际经贸探索》 CSSCI 北大核心 2007年第6期50-54,共5页 International Economics and Trade Research

基金国家社科基金重点项目(04AJY007) 湖南省社科基金项目(05YB10)阶段性成果

关键词小额信贷连带责任市场化运作 microfinance joint responsibility interest rate liberalization

分类号 F830.5 [经济管理—金融学]

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