执着地服务穷人——格莱珉银行的普惠金融实践及对我国的启示——兼与《格莱珉银行变形记:“从普惠金融到普通金融”》商榷

发布时间：2018-01-20 23:05

本文关键词： 普惠金融精准扶贫 “穷人银行” 小额信贷农村金融　出处：《南方金融》2017年03期 　论文类型：期刊论文

【摘要】：针对国内学者对孟加拉格莱珉银行已经从"普惠金融"转变成"普通金融"等的质疑,本文剖析了"格莱珉一代"向"格莱珉二代"转变的缘由以及"格莱珉二代"在放贷模式和产品设计方面的创新,并通过分析格莱珉银行贷款额度、乞丐贷款以及其他扶贫助困服务,对种种质疑进行反驳,论证了格莱珉银行自始至终都是真正为穷人以及穷人中的穷人服务的"穷人银行"。文章阐述了格莱珉银行模式的基本特征及对于我国开展普惠金融的若干启示,即倡导发展社会企业是推动普惠金融发展的需要;普惠金融要不忘初心,又要创新前进;普惠金融特征之一是要实现保本微利的可持续发展;普惠金融需要政府发挥正确的作用;普惠金融要下苦功解决服务深度不足问题。
[Abstract]:In view of the domestic scholars on the Grameen Bank has been from the "financial inclusion" into "questioning ordinary financial", this paper analyzes the reasons why the Grameen generation "to" Grameen two generation "transformation and" innovation Grameen two generation "in lending patterns and product design, and through the analysis of Bingley the Grameen bank loans, loans and other services helping the poor beggar, of all sorts of questions that, demonstrates the Grameen Bank are real and from first to last for the poor of the poor poor bank for the poor. This paper expounds the basic characteristics of the Grameen Bank model and some enlightenment for developing Inclusive Finance in China, i.e. promote the development of social enterprises is to promote the development of Inclusive Finance; Inclusive Finance to forget the beginning of the heart, but also one of the characteristics of inclusive financial innovation forward; is to achieve sustainable development of inclusive financial capital preservation; The government needs to play a correct role; to work hard to solve the problem of inclusive financial services, lack of depth.

【作者单位】：中国小额信贷联盟;中国人民银行;
【分类号】：F832.4
【正文快照】： 孟加拉格莱珉银行1(Grameen Bank,缩写为GB)在小额信贷、金融扶贫和普惠金融领域享有很高的国际知名度,我国也有不少业内人士、科研人员和金融监管部门的领导对它进行过实地考察。但是我们对它的认识是否准确、全面,没有偏差?根据我们的了解、调研,包括笔者在内,也还有一些认

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