“资金”与“机制”:中国小额信贷发展的关键  

"Funds" and "mechanism": The key to the development of China's micro-finance

作　　者：周孟亮[1] 李明贤[1] 孙良顺[1] 

机构地区：[1]湖南农业大学经济学院,湖南长沙410128

出　　处：《经济学家》2012年第11期94-101,共8页Economist

基　　金：国家社科基金"农村小型金融组织‘适应性’成长模式研究"(12CJY063);国家社科基金"双重目标驱动下农村新型金融组织创新研究"(11CJY047);湖南省教育厅优秀青年项目"多目标决策的中国小额信贷机构社会业绩评价及其与财务业绩协同研究"(11B059)

摘　　要：小额信贷发展是实现我国普惠制农村金融目标的重要手段,目前存在的主要问题是无法实现"资金"与"机制"有效结合,公益性小额信贷由于资金短缺,服务覆盖面受到很大限制,小额贷款公司有资金优势,但逐利性和动机性太强,缺乏标准意义上的小额信贷机制,难以承担服务"三农"的重任。未来我国应该开展小额信贷"资金"与"机制"的联动改革,通过创新性改革措施拓宽资金来源,通过机制创新确保小额信贷发展不偏离国家改革初衷。The development of micro -finance is the key tool to realize the goal of GSP rural finance. The key problem at present lies in that it is impossible to combine ＂funds＂ and ＂mechanism＂ efficiently. Due to the shortage of funds, the service coverage of public welfare micro - finance is limited greatly. Small - loan companies have the advantages of funds, but they are lack of the mechanism of micro -finance in standard because of their strong profit pursuit and motivation. So, they are hard to undertake the key tasks of ＂three agricultural issues＂ . In the future, China should conduct the linkage reform of ＂funds＂ and ＂mechanism＂ of micro- finance. Through innovative reform measures, funds resources can be expanded. Through mechanism reform, the development of micro - finance could be assured not to deviate from the original goal of national reform.

关 键 词：小额信贷 资金 机制 

分 类 号：F830.56[经济管理—金融学]