中国地方性小额信贷商业化——小额贷款公司发展问题初探

China local small amount credit commercialization——probing into small amount loaning company's development problem

小额信贷在中国的发展已近30年,虽然发展趋势良好,但是它的作用远没有发挥出来。实现小额信贷的商业化,我们可以得到一个"双赢"的局面,即政策性的目标与商业性目标的统一。近年来,小额贷款公司试验的成功说明了"双赢"的可能性,那么分析其发展进程中的问题,寻找中国特色的小额信贷的新路子将是未来发展的迫切需要。本文将主要以山东济南的小额贷款公司经营状况为例来分析小额贷款公司发展中遇到的一系列问题。

As microf inance has been in China for nearly 30 years,the trends are good,but its role is farfrom being realized.To achieve the commercializationof microf inance,we can get a ＂win-win＂ situation,thatis,policy objectives and commercial objectives of unity.In recent years,small loan company pilot＇s success illustrates the ＂win-win＂ possibilities,then theanalysis of the development process and the search forMicrof inance with Chinese characteristics will be theurgent need for the furture development.Small loancompany as a new commercial development institutions.This article will mainly set how Jinan＇s microcreditcompanies are operating as an example to analyze microloan companies’ problems.