小额信贷国际经验及其启示

我国小额信贷正处在一个新的发展时期,但在发展政策和模式等方面还存在一定的争议,因此,学习和借鉴国外的发展经验就具有一定的理论和现实意义。在500多年的国际小额信贷发展历史进程中,各国对小额信贷大多采取鼓励发展的政策,选择适合自己国情的小额信贷发展模式,同时,强调小额信贷的商业化和可持续性发展,对小额信贷监管力度不断加强,注重小额信贷风险的控制。国际小额信贷的发展给我国小额信贷工作提供了有益启示,今后小额信贷要逐步实现从福利型向商业型转变,小额信贷的利率要遵循市场化原则,而且小额信贷机构要不断夯实自身发展基础,强调规范发展和加强监管。

Microfinance International Experience and Enlightenment

Being in a new period of development,there are still many controversies about the development policies and mode of China microfinance.Therefore,the theoretical and practical significance is great to learn from foreign experience of microfinance development.In the historical process of more than 500 year international microfinance development,the encouragement of microfinance was the various countries' essential procedure.They chose the suitable one to develop microcredit model.At the same time,they stressed the commercialization of microfinance and sustainable development,microfinance monitoring efforts had been strengthened,and focused on microfinance risk control.The development of International microfinance provides useful lessons to the development of microcredit in China.China microfinance should change gradually the welfare model to the commercial model and microfinance interest rates should follow market principles,On the other hand,microfinance institutions should constantly consolidate the basis of their own development and regulate development and strengthen supervision.