林区小额信贷实践与理论探索——中欧天然林管理项目小额信贷示范全析

Exploration of Forest Microfinance Practice and Theory——Analysis of Micro-credit Model of EU Natural Forest Management Project

论述了什么是小额信贷,中国小额信贷的发展轨迹,为什么要在中国林区发展小额信贷,并且以中欧天然林管理项目小额信贷专项基金试点实践为例,介绍了三种运作模式,即NGO模式、国有森工企业模式和村社区天然林管理协会模式。实践证明,小额信贷对于提高林区居民的环保意识、增加森林保护型生计项目、拓宽收入来源和增加林区居民收入、扶贫济困、减少林区居民对天然林的依赖和破坏起到了积极作用,实现了保护天然林的目标;在分析和总结中欧天然林管理项目小额信贷试点运行成果和经验的基础上,对在全国天然林保护工程区内推广中欧天然林管理项目小额信贷工作提出了政策措施;建议。

This paper discusses what is micro-credit, its development path in China, and why should the development of microfinance in China, and the EU special fund pilot micro-credit example illustrates how to practice China’s forest promotion of microcredit. The paper introduced three kinds of micro-credit mode of operation, namely NGO model, model of state-owned forestry enterprises and village community forest management association model. EU Natural Forest Management Project has proved that micro-credit, micro-credit for improving the environmental awareness of forest dwellers, forest protection livelihood projects to increase and broaden sources ofincome and increasing forest income, helping the poor, reduce forest dwellers dependence and destruction of natural forests has played a positive role in achieving the objectives of the protection of natural forests; in the analysis and summary of EU Natural Forest Management Project microfinance operating results and experiences, proposed to promote the work of micro-credit policy measures in national Natural Forest Management Project.