国外商业化小额贷款模式比较及启示

The Comparison and Revelation of Foreign Commercial Microfinance Mode

小额贷款业务在中国开展已有二十余年的历史,自开展以来为农村中低收入人群脱贫致富发挥了重要作用,已经成为农村金融市场的新兴力量。国外的发展实践呈现出由福利型小额贷款向商业化小额贷款转化的趋势。印尼的小额信贷部、孟加拉的乡村银行以及玻利维亚的阳光银行等都是国际上较为成功的商业化发展模式,通过比较分析为发展中国小额信贷提供了宝贵经验。

Microfinance, carried out for more than twenty years in china, plays an important role in helping paupers get rid of poverty, and has been a new force in promoting development of rural finance.Foreign practice takes on the transition from welfare to commerce . BRI-UD in Indonesia, Grameen Bank in Bengal and Bancosol in Bolivia are sueeessful in commercial development, which provide valuable experiences for us.