格莱珉模式与中国村镇银行的发展之路

The Mode of Grameen and the Road of the Development of Chinese Village Bank

建设新农村,解决"三农"问题,都需要资金。而目前国内银行金融资本大量汇集于城市,广大农村金融机构覆盖率低,资金来源少。荣获2006年诺贝尔和平奖的孟加拉国格莱珉乡村银行在农村针对穷人的信贷方面做得很成功,有力地推动了孟加拉国的发展和农村建设。分析了格莱珉银行经营运作的成功经验,结合当前我国国情,对发展我国村镇银行的相关问题进行了研究和探讨。

Both new country construction and resolution to the problems of “Three Agricultures” need funds, However, the financial capital of domestic banks concentrates on the city while there are only a few of financial institutions in the vast rural areas, with a little source of funds. The Grameen Bank of Bengalese, one of winners of the Noble Peace Prize in 2006, succeeded in the village loan toward poor people, thus promoting the development of Bengalese and rural construction. Based on the analysis of the successful experiences in management operation of Grameen Bank, some relevant problems about village and town banks in our country are discussed and studied according to our present national conditions.