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谁来办真正的小微金融更有效?这一问题可以通过深化金融改革来解决,比如说放开放贷人条例等不同于人们传统理解的金融,微型金融具有其独特意义。向没有资产或者是资产很少的人提供金融服务,面临的风险相应来说也大于其他一般信贷服务。在很多发展中国家,包括中国在内,如何帮助资金不足的小微企业发展,如何处理信贷风险,是非常普遍的问题,同时也是各国经济发展亟需解决和创新之处。
Who can do the real microfinance more effectively? This problem can be solved by deepening the financial reform. For example, the liberalization of lenders regulations and other financial traditions that differ from people’s traditional understanding have their unique meanings. Providing financial services to people who have no assets or who have few assets is correspondingly more risky than other general credit services. In many developing countries, including China, how to help the development of under-funded small and micro enterprises and how to deal with credit risks are very common issues and also an urgent need for economic development in all countries.