小额信贷对女性创业的金融支持研究

Research on Financial Support of Microfinance to Female Entrepreneurship

金融资源不足是女性创业最大的障碍,而小额信贷"小额、联保、互助、分期、培训"的制度设计具有交易成本低、提高创业能力、贷款风险内部化等优势,能有效解决女性创业者的资金需求、贷款担保、贷款偿还、创业培训及其向高层次创业转化等问题,应成为女性创业政策支持体系建设的重要内容。

Financial support,especially typical entrepreneurship finance problem is one of the major stumbling blocks to female entrepreneurship in China.Microfinance can resolve capital demands,loan collateral,loan repayment,entrepreneurship training,high level entrepreneurship transfer and other problems with its operating mechanism advantages of internalizing asymmetric information risk,low supervision cost and enhancing entrepreneurship capability.So microfinance should be a very important support system to female entrepreneurship.