普惠金融与小额信贷的比较研究  

Comparative Study on Microcredit and Inclusive Finance

作　　者：李明贤[1] 叶慧敏[1] 

机构地区：[1]湖南农业大学经济学院,长沙410128

出　　处：《农业经济问题》2012年第9期44-49,111,共6页Issues in Agricultural Economy

基　　金：国家社科基金项目(编号:09BJY099);湖南省教育厅重点科研项目(编号:09A045);湖南省软科学科研项目(编号:2009ZK3131)

摘　　要：小额信贷主要强调向贫困弱势群体和低收入阶层提供小规模金融服务,普惠金融强调有效、全方位地为社会所有阶层和群体提供金融服务。本文在探讨小额信贷与普惠金融产生与发展的基础上,对小额信贷与普惠金融进行了比较分析,认为小额信贷与普惠金融既相互联系又相互区别,小额信贷本质上是普惠金融的理念和实践,普惠金融是对小额信贷扶贫理论认识的深化和发展,但小额信贷与普惠金融在缘起、理论基础、组织机构、业务种类、覆盖面、发展目标等诸多方面存在不同。Microcredit mainly emphasizes providing small-scale financial services for poor and low-income groups;inclusive finance refers to provide financial services effectively and all-around for all social classes and groups.Based on discussing the emergence and development of microcredit and inclusive finance,this paper made the comparative analysis between microcredit and inclusive finance;it argued that the connection and difference were existed between them.Microcredit is essentially the concept and practice of inclusive finance;inclusive finance deepens and develops the cognition of microcredit theory.However,microcredit and inclusive finance are different from each other on the aspects of origin,theoretical foundation,organization types,business types,coverage and development goals.Finally,the paper proposed suggestions to promote the development of inclusive finance in our country.

关 键 词：小额信贷 微型金融 普惠金融 

分 类 号：F832.4[经济管理—金融学]