基于福利视角的商业性小额贷款框架设计

The Design of Commercial Micro Credit Framework from the Aspect of Welfare

本文对小额信贷理论进行了梳理,探讨了以福利导向的商业性小额信贷的基本框架设计,并提出要实现商业性小额信贷的社会福利目标,必须建立包括补贴机制、监管机制、资金补充机制、小额信贷管理机制在内的全新框架。

The paper reviews the theories on micro credit, explores the basic framework design of commercial micro credit orient- ed by welfare, and puts forward that to meet the objectives of social welfare of commercial micro credit, a new framework including the mechanism of subsidy, supervision, capital replenishment and micro credit management must be set up.