小额信贷研究综述

目前学界普遍把小额信贷定义为向低收入阶层提供的小额度、短期、持续的生产性金融服务。20世纪60-80年代是小额信贷萌芽阶段,其发展模式主要分为制度主义和福利主义两大类型。学界至今对小额信贷研究尚存在不均衡和缺乏绩效评价等不足。纵观全局,小额信贷将朝着范围广泛、形式多样、业务更精细和更加商业化的方向发展。

A Review in Research of the Micro-credit

Nowadays it is generally accepted that the micro-credit is a finance service suppling small amount, short-term and sustained loan for low-income people.It sprouts from 1960s to 1980s and its development models are grouped into two major types—system and welfare.Up to now,the research of micro-credit is unbalance and lack of performance evaluation.Ultimately,the micro-credit will develop to be extensive, diverse,sophisticated and commercial in the future.