我国微型金融可持续发展的战略选择

The Selection of Sustainable Development Strategies for Microfinance in China

在深入推进新农村建设和扶贫开发,全面改善农村生产生活条件,加大强农惠农富农政策力度,让广大农民平等参与现代化的进程中,微型金融在大中型农村金融机构逐步退出农村金融市场的背景下,填补了农村金融体系的空白,在解决城乡发展不平衡和农村低收入群体融资难等方面发挥了不可或缺的作用。然而,由于我国微型金融起步比较晚,国内缺乏可借鉴的成功模式,其可持续发展受制于利率市场化程度不高、微型金融法律环境不完善、产品创新不足等因素而缺乏动力。因此,我们应该借鉴国外微型金融持续健康发展的成熟经验,做出我国微型金融可持续发展的科学战略选择。

With the deepened neo-rural construction and the gradual exit of medium and large-sized rural financial institutions from rural financial market in China, microfinance has filled in the gaps in rural financial system, and played indispensable roles to solve many issues, such as the imbalance between urban and rural growth, and the funding difficulties faced by low-income rural groups. However, the microfinance in China started very late, there have been no successful modes available in domestic market. Thus, its sustainable development is constrained by the lower level of interest rate liberalization, the imperfection of legal environment, and inadequacy of product innovation etc. Therefore, we should model after the mature experiences of foreign microfinance to select scientific sustainable development strategies for microfinance in China.