小额信贷与金融原则——孟加拉格莱珉银行经营模式的再思考  

Micro--credit and financial principle Rethinking the operating modes of grameen bank in bangladesh

作　　者：高纹[1] 何广文[2] 

机构地区：[1]南京审计学院,南京210000 [2]中国农业大学,北京100083

出　　处：《中国经济与管理科学》2008年第5期85-86,88,共3页Chinese Economy Management Science Magazine

摘　　要：本文在对孟加拉格莱珉银行的经营模式进行总结的基础上，分析了其同时达成“扶贫”和“可持续经营”的双重目标的机制，指出格莱珉银行成功的根本原因是很好地遵循了最基本的金融原则——贷款区别于无偿的财政补贴或捐助，必须以确保借款方到期能够返还本金并支付利息为前提。因此，努力提高还款率是小额信贷经营的核心内容。This paper analyzes the mechanism that Grameen Bank （GB） achieves two goals：Both poverty alleviation and managerial sustainability,on the basis of the examinations on GB＇ s operating modes; And attributes its success to the proper fulfillment of the most basic financial principle--banks must ensure the loan to be repaid with interest at due time, which is different from the free subsidies or donations. How to promote the loan recovery rate must be the core in the every routine operation of micro--credit.

关 键 词：经营模式 双重目标 金融原则 还款率 

分 类 号：F831.1[经济管理—金融学]