CFPA:走中国的小额信贷之路

CFPA:for China’s development of small loan

早在2007年,《国际融资》杂志记者就推动农村金融发展的话题采访了时任十届全国政协经济委员会副主任的段应碧,那时,中国扶贫基金会(CFPA)的小额信贷扶贫项目试点工程刚刚起步,在部分贫困县设立了10家农户自立能力建设支持性服务社(SSCOP),解决贫困农户贷款难的问题。而现如今,CFPA的小额信贷扶贫项目已成为中国非银行金融机构中规模最大的信贷扶贫项目。已累计向26个贫困县的19.5万多农户发放小额贷款7.7亿元,共有70多万贫困人口直接从中受益。其中2009年全年共向41376户贫困农户发放小额贷款2.76亿多元(平均单笔贷款额度6679元)。与其他商业性小额贷款公司和村镇银行不同,CFPA的小额信贷只为贫困农户提供信贷服务,并且不以营利为目的。通过多年的试点,CFPA已经形成了一套适合中国农村特点,可以快速推广和复制的新型农村信贷服务模式。这个模式对于破解当前农村贷款难、农户贷款更难。

Early in 2007,our reporter has interviewed Duan Yingbi,deputy director the 10th CPPCC National Committee.At that time,China Foundation for Poverty Alleviation (CFPA)just started the Microfinance Project by setting up 10 Support Service Cooperative of the Poor(SSCOP)in some poor towns to relief the fund difficul- ties of the families.At present,the Microfinance Project of CFPA has become the largest in China’s non-bank financial system,which has loaned 770 million to 195 thousand farmer families in 26 poor towns.Especially in 2009,CFPA spread 276 million to 41376 poor farmer families.Different from other commercial small-loan companies,CFPA doesn’t aim at profit.After years of exploration, CFPA has found a new rural loan service model for China,which will play a great role in solving the financing problem of rural region and farmers especially poor farmers.