如何减少小额信贷拖欠率:一个文献述评  

How to Reduce Delinquency Rates in Microcredit: A Literature Review

作　　者：禹添辉 王学武[1] 

机构地区：[1]广东财经大学,广东广州510320

出　　处：《上海金融学院学报》2015年第2期30-39,共10页Journal of Shanhai Finance University

摘　　要：小额信贷是为贫困人口以及小微企业创业者提供的信贷服务,作为一种金融创新,它开辟了以市场经济方式减轻贫困的新渠道。如果小额信贷机构想要实现可持续发展,减少借款者拖欠率至关重要。小额信贷机构的管理者必须了解客户欠款的原因,并对借款人进行分类,确定适当的贷款规模和合适的还款频率。在拖欠严重(critical arrears)的情况下,小额信贷机构应该暂停贷款给新客户,直到资产组合质量提高并查明客户的还款能力和还款意愿,以减少信贷拖欠率。Microcredit are credit services provided to the poor and SMEs. As a financial innovation, it opens up new channels to alleviate poverty by market economy way. If the MFIs （microfinance institution） want to achieve self-sufficiency,reducing delinquency rates matters. MFI staffs must analysis the reasons for customers in arrears and classify the borrowers, thus determining the appropriate size and suitable loan repayment frequency. In a critical arrears situation, microfinance institutions should suspend lending to new customers until the portfolio quality improves and clients ’ repayment ability and willingness to repay is identified, in order to reduce credit delinquencies.

关 键 词：小额信贷 预防欠款 拖欠率 

分 类 号：F831.5[经济管理—金融学]