拉美微型金融的商业化模式与特点研究  

Commercialization of Microfinance in Latin America:Modes and Characters

作　　者：李浩民[1] 柳明[1] 孟令坤[1] 

机构地区：[1]南开大学经济学院金融学系,天津300071

出　　处：《拉丁美洲研究》2013年第4期18-24,79-80,共7页Journal of Latin American Studies

基　　金："中央高校基本科研业务费专项资金"的研究成果(项目编号:NKZXB10062)

摘　　要：微型金融作为金融市场上的重要主体,在整个经济体系运行中具有不可替代的地位,在解决中小企业信贷供给紧张问题、促进就业、推进社会扶贫工作以及建立与发展普惠金融体系等方面都发挥着积极作用。在后金融危机时代的背景下,拉美微型金融异军突起并日益受到国内关注,在改善当地金融环境的同时,还有助于解决失业、贫困等社会问题;拉美微型金融的特点体现在融资结构中存款比重上升、对中小企业贷款比重上升、整体收益水平良好以及高度竞争性等方面。与此同时,拉美微型金融发展中面临过度负债、使命漂移及可持续利率的制定等问题,这些问题值得我们加以重视。In the post-financial crisis era,the commercialized microfinance has gained a remarkable development in Latin America,which helps to diversify regional financial institutions and increase credit supply by motivating'major banks and other financial organizations to be engaged in the field.It has produced noticeable social effects by financing low-income people and small and medium-sized enterprises.It is especially noteworthy that it is promoting financial innovation in regional countries to explore market and lower operation cost.The microfinance in the region is featured by the growing percentage of saving deposit in finance structure,the large percentage of loan on small and medium-sized enterprises,and considerable profitability.A major challenge is that there is increasingly intense competition between microfinance agencies as the market is becoming saturated.To achieve a sustained development of microfinance,regional countries need to assist microfinance agencies to evolve out of current excessive indebtedness,resolve the mission drift problem and adopt an interest rate based on sustainability.

关 键 词：拉美微型金融 商业化 发展模式 

分 类 号：F832.35[经济管理—金融学]