信贷助农模式研究——帮扶农村弱势群体的金融创新  

Research on Peer-to-Peer Loans to Rural Poor:Financial Innovation for Supporting the Rural Vulnerable Group

作　　者：朱建芳[1] 

机构地区：[1]浙江大学,浙江310027

出　　处：《电子科技大学学报（社科版）》2010年第4期1-6,39,共7页Journal of University of Electronic Science and Technology of China(Social Sciences Edition)

基　　金：国家社会科学基金项目"中国产业安全链重构:突破跨国‘链主’纵向控制的理论与对策研究"(项目编号:08BJY086);常州工学院院级项目"平台企业的竞争策略与产业规制研究"(项目号:YN0946)

摘　　要：在党中央关于建设社会主义新农村和创造和谐社会的号召下,通过金融创新使农村弱势群体尽可能享有平等信贷服务机会已到了刻不容缓的程度。但是,多年来中国经济与金融发展战略造就了目前农村金融体系的"失血"机制,真正服务于农村弱势群体的小额贷款因现实条件的种种制约并未得到发展与推广。国内外三个"P2P信贷助农模式"的案例表明,在适当的制度安排下,可以通过分散的社会力量助推与发展面向农村弱势群体的小额贷款,达到贫困借款者、出借者、小额贷款机构以及P2P平台的多赢均衡,开创小额贷款帮扶弱势群体的新路子。在网络技术日益完善的今天,P2P信贷助农模式的经验可被复制与推广,是弱势群体获得金融实现可持续发展的重要途径。For the new socialist countryside constuction and creation of a harmonious society,it has become imminent stage through financial innovations to enable vulnerable groups in rural areas enjoy the equal credit opportunity as far as possible.However,there has been a ＂blood loss＂ mechanism in present rural financial system due to China＇s economic and financial development strategy in the long run.Meanwhile,the microloan,which truly serves the rural vulnerable groups,has not been developed and generalized due to various practical condition constraints.The three cases of ＂peer-peer loans to rural poor＂ abroad show that microloan to rural poor can be propelled and developed by decentralized social forces in the appropriate institutional arrangements,achieving win-win balance among lenders,rural poor borrowers,microloan institutions and P2P platform to find a new ways of supporting rural vulnerable groups by microloan.In the present with increasingly sophisticated network technologies the experience of ＂peer-peer loans to rural poor＂ can be copied and spread,so it may be an important way for rural vulnerable groups access to sustainable finance sevices.

关 键 词：农村弱势群体 P2P信贷模式 小额贷款 宜信公司 

分 类 号：F304.4[经济管理—产业经济]