小额信贷的征信规范与立法探讨——一种法律和经济的视角

我国自1993 年由中国社会科学:引入国际小额信贷模式的15 年间，在中央相关文件和央行、银监会的政策指导下，小额信贷取得了一定的发展，但速度相对比较缓慢。小额信贷作为一项金融创新产品，在为农民和低收入者提供贷款解决生产、生活问题的过程中发挥了重要作用。借鉴国际小额信贷的典型经验，开展中国小额信贷项目，首先要明确其合法性地位和穷人享有平等的信贷权利等问题。文章从小额信贷在中国发展所需的政策环境、制度监管、信用基础、征信规范和法律保障等方面谈几点看法。

On Credit Checking in Micro Credit and its Legislation——A Legal and Economic Approach

A market economy should be a legal economy, and a harmonious society should be a credit society. In 15 years after the Chinese Academy of Social Sciences introduced micro credit into China in 1993, with the guidance of the government, the People's Bank of China and the China Banking Regulatory Commission, micro credit has developed in China to some extent, though very slowly. As a product of financial innovation, micro credit is of great significance in helping famers and low-income groups and solving the problems facing their livelihood. Using typical international experiences of micro credit for reference and developing the projects of micro credit in China, the paper first lays down the rule that the poor have equal rights of borrowing from micro credit agency. With a view to policymaking background, supervisory system, credit foundation, credit checking regulation and legislation to ensure the development of micro credit in China, the paper puts forth several opinions.