小额信贷的立法探讨

建立一个小额信贷的法律框架是扩大小额信贷的发展规模和进行有效的风险控制所必需的。印度尼西亚、玻利维亚、加纳等国小额信贷的立法实践为我国小额信贷立法的完善提供了借鉴意义。我国有必要针对小额信贷进行高层次的专门立法,对不同种类小额信贷的准入、转型、监管、信用等制度加以规范和完善,以充分发挥小额信贷在扶贫、就业、支持中小企业发展方面的重要作用,促进社会和谐。

It is necessary to establish a legal framework of microfinance for expanding microfinance and controlling risk effectively. Microfinance legislation in Indonesia, Bolivia, Ghana and other countries provides us a reference. It is necessary for our country to make a high - level special law regarding microfinance to standardize and improve the system related to the access, transformation, monitoring, and credit of different types of micro finance so as to make full use of mierofinance in poverty alleviation, employment, and supporting the development of small and medium - sized enterprises to promote social harmony.