普惠金融的国外研究现状与启示——基于小额信贷的视角  

Research Status Abroad and Enlightenment of Inclusive Finance:Based on the Perspective of Microfinance

作　　者：梁骞[1] 朱博文[2] 

机构地区：[1]天津大学,天津300072 [2]山东大学,济南250100

出　　处：《中央财经大学学报》2014年第6期38-44,共7页Journal of Central University of Finance & Economics

基　　金：国家社会科学基金项目<我国金融发展战略理论与路径选择研究>(项目批准号:12BJY163)

摘　　要：金融二元结构的出现使得为中小企业、农村地区、经济欠发达地区、穷人等提供金融服务方面存在着缺失,普惠金融的提出就是要让所有对金融有需求的人都可以平等地享受金融服务。而普惠金融的提出来源于小额信贷的发展与研究,因此,笔者通过梳理国外关于小额信贷的研究,从小额贷款机构的收支平衡与可持续性、小额贷款机构的产品与服务、小额贷款机构管理的最佳实践、目标客户选择、小额信贷与政策、小额信贷影响等六个方面全面介绍小额信贷研究,通过总结国外研究为如何在普惠金融框架下更好发挥小额信贷机构的作用给出了相应的启示。Abstract ： The duality finance structure makes it hard for middle and small-sized enterprises, rural areas, economic less-developed areas and poor people to get enough finance support. This lead to the proposing of inclusive finance, which highlights the importance of equal finance services for everyone. The inclusive finance originates from the research of micro-finance, so we are trying to summarize the literature of micro-finance to better understand inclusive finance. Our research of micro-finance are divided to six parts, which are balance of payments and sustainable development, products and services, best practices, target customers choice, policies and influences and we give some enlightenments on future researches and practices.

关 键 词：普惠金融 小额信贷 小额贷款机构 

分 类 号：F830.5[经济管理—金融学]