从印度“安德拉邦危机”反思我国农村小额信贷发展模式

Rethink of Development Pattern of Small Credit in Rural Areas in China after India Andhra Pradesh Crisis

本文从印度安德拉邦小额信贷危机的启示作用入手,分析了市场过度竞争、机构内控机制滞后、公益性质弱化、政府不当介入对小额信贷产业的消极影响。对比我国农村小额信贷模式存在的问题,有必要保持其商业与公益的均衡性、规范市场进入与退出以及加强市场监管。

The paper begins with the enlightenment from the small-amount credit crisis in Andhra Pradesh in India.It argues that excessive market competition,hysteretic control mechanism,deficient non-profit target and improper state intervention have negative effects on small-amount credit industry.After self-examining defects of this industry in rural areas in China,we provide suggestions and strategies to stimulate the development of small-amount credit.