孟加拉乡村银行模式对发展我国农村小额信贷的启示  

The Enlightenment of Microfinance of Grameen Bank Model in Bangladesh

作　　者：石晶[1] 李卿语[1] 

机构地区：[1]长春税务学院金融学院,吉林长春130117

出　　处：《税务与经济》2010年第2期38-41,共4页Taxation and Economy

基　　金：吉林省教育厅"十一五"社会科学研究项目阶段性成果

摘　　要：孟加拉乡村银行模式是非政府组织向穷人发放小额贷款以帮助其脱贫的金融模式。这一模式以其独特的运作方式实现了高还款率,同时又达到了扶贫的效果。这一模式在中国的试验取得了一定的经验,但由于种种原因,成效并不显著。为此,有必要从孟加拉乡村银行的成功经验和我国农村小额信贷制度差异的角度,来研究孟加拉国乡村银行模式给我国农村小额信贷发展带来的借鉴和启示。The Grameen Bank is a microfinance organization that makes small loans to the impoverished. With its unique operating system, this model achieves a high repayment rate and helps the poor out of poverty. After ten years＇experiment in China, some experience has been obtained from this model, but due to various reasons, its effect is not significant. Therefore, it is necessary to learn the successful experience of Grameen Bank and study the differences of rural microfinance system between China and Bangladesh as so to provide the enlightenment of Grameen Bank model for the development of rural microfinance.

关 键 词：孟加拉乡村银行模式 农村小额信贷 融资渠道 利率市场化 

分 类 号：F830.6[经济管理—金融学]