“担保+小额信贷”模式有效性之理论探析——基于小额信贷机构可持续发展角度

以小额信贷目标客户与担保机构的产生为起点,阐述了"担保+小额信贷"模式的竞争优势,该模式在解决小微企业融资难问题上发挥了一定作用。但是,通过分析发现,"担保+小额信贷"模式并非完全有效,现有条件下不能转嫁风险,更不能促进小额信贷机构核心竞争力提升与可持续发展。

Starting with the emerge of microfinance target customers and guarantee agencies, the modelof Guarantee Corporation ＆ Microfinance has competitive advantages,which plays a positive role in financingfor small and micro enterprises. However, the model isn’t so perfect by theoretical analysis andcan’t realize passing on risk under the current condition. It is harmful for microfinance institutions tobuild core power and develop sustainably.