小额信贷扶贫与财务可持续性:作用机制与协调发展研究  

The Research on Action Mechanism and Harmony Development between Poverty-Reduction and Financial Sustainability for Microfinance

作　　者：周孟亮[1] 李明贤[1] 

机构地区：[1]湖南农业大学经济学院,410128

出　　处：《上海经济研究》2009年第9期53-60,共8页Shanghai Journal of Economics

基　　金：国家社会科学基金项目(09BJY099);湖南省普通高等学校哲学社会科学重点研究基地开放基金项目(07K007);湖南社会科学基金项目(08JD32)部分研究成果

摘　　要：扶贫与财务可持续发展是小额信贷公司应该同时兼顾的两个重要问题,本文从静态和动态角度分析小额信贷公司扶贫和财务可持续发展的作用机制,研究发现在短期内小额信贷对盈利的追求会损害扶贫功能的发挥,但从长期、动态的角度看,扶贫与财务可持续发展是可以协调的,提出了我国小额信贷扶贫与财务可持续性协调发展的具体对策。Poverty -reduction and financial sustainability are two objectives for microfinance institution. The thesis analyses the action mechanism between poverty -reduction and financial sustainability from static and dynamic angle, it finds the pursing for profit would damage the Poverty -reduction function in short time for microfinance, but from long and dynamic angle, Poverty - reduction and financial sustainability would be complementary relationship. It also brings forwards some suggestions to harmonize poverty -reduction and financial sustainability for microfinance institution.

关 键 词：小额信贷 扶贫 财务可持续性 

分 类 号：F830.39[经济管理—金融学]