农村小额信贷业商业化的进程、条件及对策

Commercialization Course、Condition and Countermeasures of Small Amount Credit

目前我国小额信贷业尚处于起步阶段,但东南亚及拉丁美洲很多国家的小额信贷业已经发展到相当成熟的阶段。这些国家的经验表明,小额信贷业可持续发展的前提就是经营商业化、利率市场化和风险控制完善化。当前我国发展小额信贷业可以有效地缓解我国城市流动性过剩和农村流动性不足的问题,同时促进"三农"发展。本文在梳理国际小额信贷业发展经验的基础上,对我国小额信贷业的发展提出了借鉴和建议。

Microfinance was still at the start-up stage in China,but has already been very mature in Southeast Asia and Latin America,and the experiences in these countries indicated that the methods to keep sustainable development of microfinance industry should be commercialization of operation,marketability of interest rate and comprehensive risk-control system.Developing microfinance can effectively alleviate both excess liquidity in cities and insufficient liquidity in countryside,and simultaneously improve 'farmers-countryside-agriculture' development,so this article has outlined the successful experience in other countries in order to serve our rural microcredit.