论西部扶贫实践中的小额信贷

Some Opinions on Small-lined Credit in the Aid-the-poor Programme in Western China

小额信贷作为一种引进的扶贫模式 ,其独到的创新之处在于 :精确扶贫目标单位、主张贫困者的自主扶贫、关注贫困妇女的生存状况、注重物质资本与人力资本的双重积累等。因而也更符合我国新时期扶贫工作的需要。然而 ,经济运行的日益市场化以及西部地区独有的区情、民情 ,使小额信贷扶贫模式在西部地区的推展不可避免地遇到了诸多的矛盾和障碍。本文在对这些矛盾和障碍进行分析的基础上 ,着重从筹资渠道的拓宽、本土化创新、政府促进。

As a pattern of aid the poor programme introduced from abroad, the small lined credit has some new ideas:the accurate objectives of aid the poor programme; the advocation of anti poor on self reliance; the close attention to the existent condition of the poor women;the emphasis on the dual accumulation of both material and human resources. The marketable economy function and the unique condition in western China make the small lined credit face some contradictions and obstacles in its promotion. Based on an analyisi on these contradictions and obstacles, this paper puts emphases on widening channels of funds, bringing forth new ideas on basis of localization, promoting by government, and the integration with the rural baking system.