从尤努斯模式看我国农村小额信贷的效率问题

The efficiency of rural microfinance in China from Yunus

农村小额信贷为农村经济发展提供了金融支持,但农村小额信贷管理的不规范,经营的不规范,严重影响农村小额信贷的效率。特别是对照尤努斯模式,我国的农村小额信贷无论从政府监管的效率,还是从小额信贷机构支农效率,农户资金的使用效率来看,都与尤努斯模式存在一定的差距,农村小额信贷效率略显低下。因此,应该采用符合农村小额信贷监管模式,营造标准规范的企业运行机制,建立有效的农户信用评级制度,以提高农村小额信贷的效率。

Rural microfinance provides fnancial support for rural economic development, but the management and operaion of rural microfinance are not standard, seriously affecting the efficiency of rural microfinance. China＇s rural micro credit has a long way to go, especiaaly compared with the control model of Yunus, from the efficiency of government regulation, from the efficiency of agricultural support microfinance institutions, or from farmers＇ efficiency of capital. The rural microfinance efficiency is lower, therefore, we should apply regulatory pattern conforming to the micro finance in rural areas, to create a standardized enterprise operational mechanism, the establishment of an effective credit rating system of farmers, in order to improve the efficiency of rural microfinance.