小额信贷中社区传统文化的信用约束及创富机制

Credit Restraint of Traditional Community Culture and Wealth-producing Mechanism:A Study of Microcredit

小额信贷对农村贫困社区的经济发展起着孵化器的作用,但因小额信贷分散、成本高,且无担保,一般化的商业运作模式最终导致资产风险加大,使得追偿成本和难度加大,因此商业类金融机构对小额信贷丧失动力和积极性。若利用农村贫困社区传统文化对信用的约束,挖掘农村贫困社区的群体信用潜能及创富潜力,重视女性传统社会性别角色,构建新型小额信贷模式,可有效地降低金融机构的资产风险。

Microcredit is helpful to the economic development in the poor community in the countryside. However, microcredit has much risk by commercial operation because it is costly and has no guarantee. As a result, commercial banks have little motivation in implementing mierocredit. If the credit restraint of traditional community culture and the group credit potential as well as wealth - producing potential are brought into full play, a new microcredit model can be established, which can help the women play a better role and reduce possible financial risks.