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国外小额信贷扶贫实践、问题及对中国的启示

发布时间:2018-07-18 11:39
【摘要】:小额信贷通过专门向中低收入群体提供持续的信贷服务并保持其自身可持续性实现其"普惠"的扶贫理念。本文试图从组织体系、信贷理念、偿还模式和效果评估等几个方面阐释玻利维亚、越南和土耳其3个国家小额信贷项目的运作机制,并从机制风险、性别、社会平等以及社会网络等方面分析了面临的问题。本文认为,加强对公益小额信贷项目的支持、关注社会平等、强化绩效监督以及培育农户为主体的农村金融体系是实现小额信贷扶贫理念得以实现的重要前提。
[Abstract]:Microfinance aims to achieve its "inclusive" poverty alleviation by providing sustainable credit services to low and middle income groups and maintaining its own sustainability. This paper attempts to explain the operational mechanism of microcredit projects in Bolivia, Vietnam and Turkey from the aspects of organization system, credit concept, repayment model and effectiveness evaluation, and from the mechanism risk, gender, etc. Social equality and social network and other aspects of the analysis of the problems faced. This paper holds that strengthening the support for public welfare microfinance projects, paying attention to social equality, strengthening performance supervision and fostering rural financial system with farmers as the main body are the important prerequisites to realize the idea of helping the poor by microfinance.
【作者单位】: 中国农业大学人文与发展学院;
【分类号】:F832.4;F831.2

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