格莱珉中国发展模式对我国普惠金融的启示研究——基于格莱珉中国项目点的实地调研  

Research on the Enlightenment of Grameen China Development Model to China's Inclusive Finance--Field Survey Based on Grameen China Project Site

作　　者：孔令佳 张婷玉[1] KONG Ling-jia;ZHANG Ting-yu(School of Business,Zhengzhou University,Zhengzhou 450001)

机构地区：[1]郑州大学商学院,河南郑州450001

出　　处：《南方农村》2021年第5期43-50,共8页South China Rural Area

基　　金：郑州大学尤努斯社会企业中心项目“格莱珉社会企业发展效果评估及可持续政策研究”。

摘　　要：发展普惠金融可以助力乡村振兴。孟加拉格莱珉模式是普惠金融的典型代表,能够帮助被传统金融机构排斥在外的群体获得贷款的机会和人性化的社会服务。迄今,格莱珉模式已经帮助世界上很多贫困人口脱贫致富,并在很多国家实现了商业上的成功。格莱珉模式在中国推行多年,有其长处与短板,其发展模式的演进对我国发展乡村振兴有一定的借鉴意义。为探索中国普惠金融发展道路,对格莱珉中国河南兰考、云南大理太邑乡以及陕西安康岚皋三个项目点进行实地调研,以格莱珉在中国发展的实际情况为研究对象,梳理格莱珉模式在中国发展过程中面临的主要困境和难点,为我国发展普惠金融提出政策建议,助力乡村振兴。The development of Inclusive Finance can help rural revitalization.Bangladesh Grameen model is a typical representative of Inclusive Finance,which can help groups excluded by traditional financial institutions to obtain loan opportunities and humanized social services.So far,the Grameen model has helped many poor people in the world get rid of poverty and become rich,and has achieved commercial success in many countries.The Grameen model has been implemented in China for many years and has its advantages and disadvantages.The evolution of its development model has a certain reference significance for the development and revitalization of rural areas in China.In order to explore the development path of Inclusive Finance in China,through field investigation on three project sites of Grameen,Lankao,Henan,China,Taiyi Township,Dali,Yunnan and Langao,Ankang,Shaanxi,taking the actual situation of Grameen's development in China as the research object,sort out the main difficulties and difficulties faced by Grameen's model in the process of China's development,and put forward policy suggestions for the development of Inclusive Finance in China,Help rural revitalization.

关 键 词：普惠金融 格莱珉模式 农村小额贷款 金融排斥 乡村振兴 

分 类 号：F832.4[经济管理—金融学]