孟加拉国小额信贷发展的宏观经济基础及中国小额信贷的发展

Macro-basis for the Development of Micro-credit in Bangladesh and the Development of China's Micro-credit

本文分析了孟加拉国的宏观经济基础,认为孟加拉国人民生活的贫困凸显了小额信贷资金的重要性,其高度集中的土地私有制度导致的巨大生存压力决定了借贷主体的高努力性和小额信贷资金的多用途性,而全国性的短缺经济形势则保证了小额信贷资金使用的收益性,三个方面的经济条件促成了该国GB小额信贷的成功发展;指出了当前中国的过剩经济形势和土地均包制度与孟加拉国有着本质上的区别,并提出了对发展中国小额信贷的建议。

At first, this paper analysis Bangladesh's macroeconomic foundation, the poor lives of Bangladesh highlighted the importance of micro-credit funds; the tremendous pressure on survival ,which caused by the highly centralized system of private ownership of land, made the borrower work hard and led to the multi-purpose of micro-credit, also the shortage economic situation providing a good receipts to micro-credit. These three fields of economic conditions contributed to the country's successful of GB's micro-credit development.Then we pointed out that China's current surplus economic situation and the packaged land system are essentially different to Bangladesh. Finally we put forward some proposal on the development of China's micro-credit.