普惠性金融体系下中国农村小额信贷机构的研究分析  

Research on the Microfinance Institution Sustainable Development Based on Inclusive Financial Systems

作　　者：王睿[1] 明悦 蒲勇健[1] 

机构地区：[1]重庆大学经济与工商管理学院,重庆400044 [2]布法罗大学管理系,美国

出　　处：《重庆大学学报（社会科学版）》2008年第5期28-34,共7页Journal of Chongqing University(Social Science Edition)

基　　金：国家社会科学基金项目“和谐社会的微观经济理论研究”(07BJY017)

摘　　要：文章从中国中西部地区5省1市9个不同类型的小额信贷机构发展现状的实地调查资料入手,将机构纳入普惠性金融体系框架之下进行分析,重点考察了机构的经营绩效、基本情况、业务发展等内容。研究发现:小额信贷机构作为一种金融组织创新以及自身特点体现了金融改革的目标和发展方向,呈现出多种组织形式、多元投资主体、多样化市场格局的发展趋势,这对于增加农村金融供给、解决农民贷款难等问题起到了积极作用。政策措施和制度设计是制约其发展的主要因素。另外,政策监管、法律保障、政府扶持、自身管理以及农户自身信用意识和市场观念的培育,也是机构实现可持续发展不可或缺的制度条件。According to the data collecting from nine different types of financial organizations for micro finance in the Midwestern five provinces and one city, this paper analyzes the organizations＇ operating performances, basic situations, operating states and other aspects. According to the survey, the organization is such a unique innovation that it emerges tends of multi - forms, many investors and varieties of marker patterns, which represent the aim and direction of finance reform. It plays an active part in increasing the supply of rural fund, facilitating the loan appli- cation and improving productive forces. The main factors holding back the development are the government policies and the systems at the present time. Besides, to keep the organizations＇ sustainable development, it is essential to satisfy several conditions, such as the regulatory policy, the strictly enforced law, the government advocate, the self- management and the cultivation of credit sense and market attitude among farmers.

关 键 词：小额信贷机构 农村金融 普惠性金融体系 

分 类 号：F830.589[经济管理—金融学]