重视研究和发展中国式小额信贷

Chinese-style Microfinance:Research and Development Needed

农村信用合作社经营的农户小额信用贷款已经自然发展为中国本土规模最大、覆盖面最宽的中国式小额贷款运作模式,但近年来对正规金融的体制及服务"三农"中存在的问题批评较多,对其经验的研究和总结却很不够。所谓将GB等国外民间组织小额信贷模式本土化,关键是要保证低收入人群发展的需要,并发挥收入相关贷款、分散原理与大数法则规避风险的作用,摆脱担保制约,推进利率市场化,造就并维持良好信用环境。农村信用合作社基于其经营基础和自身特点已在这方面取得了成功经验,需要进一步总结与改进。

Credit - based microfinance for farmers, operated by rural credit cooperatives, has naturally developed to become a Chinese- style operating model for microfinance with the largest scale and coverage in China. However, there has been widespread criticism of the formal finance system and its service of agriculture, rural areas and farmers, while research and summary of its experience is far from enough. The key to localize overseas models of non - governmental microfinance, the GB model for example, lies in safeguarding the need of low - income people, giving full play to the role in lowering risks of income - related loans, the principle of diversification and the law of large numbers, shaking off the constraints of collateral, promoting interest rate marketization, and building, a good credit climate. Rural credit cooperatives, due to its operational foundation and characteristics, have achieved successful experience in this aspect, which calls for further summary and improvement.