印度小额信贷危机的深层原因及教训

发布时间：2018-06-09 04:06

  本文选题：印度小额信贷危机 + 深层原因　； 参考：《经济科学》2011年04期

【摘要】：印度小额信贷危机震惊全球,引起人们对小额金融帮助低收入群体脱贫致富的神圣使命产生质疑。实际上,其深层原因是小额贷款的无控制增长导致过度集中;高回报吸引商业资本甚至对冲基金大量涌入;恶性竞争诱导穷人过度借贷;劣币驱逐良币又使得社会责任退化。中国小额信贷虽然起步较晚,但类似的一些不良倾向正在出现甚至蔓延,应该引起高度重视;否则将很难确保小额信贷使命的真正实现。
[Abstract]:India's microfinance crisis shocked the world, raising questions about the sacred mission of microfinance to help low-income groups out of poverty. In fact, the underlying causes are excessive concentration due to uncontrolled growth of microfinance; high returns attracting a flood of business capital and even hedge funds; vicious competition inducing poor people to borrow too much; and Bad money drives out good degenerating social responsibility. Although microfinance started late in China, some similar bad tendencies are emerging or even spreading, which should be attached great importance to; otherwise, it will be difficult to ensure the true realization of microfinance mission.
【作者单位】： 复旦大学国际金融系;上海社科院部门经济研究所;
【分类号】：F833.51;F832.4
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本文编号：1998808