摘要
主要面向农村的小额信贷对我国发展农村金融、促进农业乃至整个国民经济发展至关重要。鉴此,研究国际小额信贷的发展经验,探索适合我国国情的小额信贷发展模式很有现实意义。本文在对全球小额信贷发展模式进行分析比较的基础上,认为我国不能照搬国外小额信贷的发展模式,比如孟加拉模式中多人联保自治机制效果很明显,而在我国却难以有效执行。鉴于穷人的劳动能力是其最重要且有保障的资源,因此,以借款者未来劳动抵押作为还款保障,以政府提供未来劳动机会优先权的承诺作为借款条件,将是促进我国小额信贷持续发展的关键所在。
Micro-finance, which targets on poor rural area, plays an important role in promoting development of rural finance and agriculture, even whole national economy of China. Therefore, it is of practical significance to analyze the experience of international micro-finance in order to explore a micro-finance model, which suits the current situation of China. Based on a comparison analysis of global micro-finance models, this paper comes to the point that China should not blindly copy foreign models. For example, the integrated hypothec serf-regulated mechanism works well in Bangladesh, but it is difficult to be implemented in China. The critical way to promote sustainable development of micro-finance in China lies in taking labor of debtors as a repayment mortgage because it is the most important and guaranteed wealth of the poor, and granting loans conditional on future working privilege given by government.
出处
《国际金融研究》
CSSCI
北大核心
2007年第10期4-9,共6页
Studies of International Finance
关键词
小额信贷
国际比较
启示
Micro-finance
International Comparison
Implication
