小额信贷机构财务可持续发展的条件与环境分析
发布时间：2019-08-08 21:10
【摘要】：小额信贷主要有两个目标:一是扶贫;二是小额信贷机构的可持续发展。可见,小额信贷机构的可持续性是至关重要的,它决定了小额信贷机构是否能够扩大业务规模,从而为更多的客户提供服务,更大程度上实现扶贫的目标。本文从我国小额信贷发展背景与现实出发,分别从运行机制和宏观环境两方面探讨了促进小额信贷财务可持续发展的对策建议,提出在运行机制上应从四方面入手:贷款规模的合理规划;信贷产品的灵活设计;经营管理水平的提升;管理信息系统的建立。而宏观环境的完善,应该做到改变对小额信贷的定位、规范对小额信贷的监管、优化社会信用环境和法律制度。
[Abstract]:Microcredit has two main objectives: one is poverty alleviation; the other is the sustainable development of microcredit institutions. It can be seen that the sustainability of microfinance institutions is very important, which determines whether microfinance institutions can expand the scale of business, so as to provide services for more customers and achieve the goal of poverty alleviation to a greater extent. Based on the background and reality of microcredit development in China, this paper probes into the countermeasures and suggestions for promoting the sustainable development of microcredit finance from two aspects of operation mechanism and macro environment, and puts forward that the operation mechanism should start from four aspects: reasonable planning of loan scale, flexible design of credit products, improvement of management level and establishment of management information system. In order to perfect the macro environment, we should change the orientation of microcredit, standardize the supervision of microcredit, and optimize the social credit environment and legal system.
【作者单位】： 三峡大学经济与管理学院;
【分类号】：F832.4
[Abstract]:Microcredit has two main objectives: one is poverty alleviation; the other is the sustainable development of microcredit institutions. It can be seen that the sustainability of microfinance institutions is very important, which determines whether microfinance institutions can expand the scale of business, so as to provide services for more customers and achieve the goal of poverty alleviation to a greater extent. Based on the background and reality of microcredit development in China, this paper probes into the countermeasures and suggestions for promoting the sustainable development of microcredit finance from two aspects of operation mechanism and macro environment, and puts forward that the operation mechanism should start from four aspects: reasonable planning of loan scale, flexible design of credit products, improvement of management level and establishment of management information system. In order to perfect the macro environment, we should change the orientation of microcredit, standardize the supervision of microcredit, and optimize the social credit environment and legal system.
【作者单位】： 三峡大学经济与管理学院;
【分类号】：F832.4
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