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综述了小额信贷的研究与实践,描述了目前城市农民工住房的特点以及存在的问题,认为应借鉴小额信贷在国内外的发展模式,扶助解决农民工住房问题。通过对比不同行业就业条件下的农民工的工作、生活方式和居住条件,经过合理假设,设计出一个扶助解决城市农民工就业地居住问题的实验性住房小额信贷模式,并就模式的可行性、经济效益以及社会效益等方面进行了分析和展望。
This paper reviews the research and practice of microfinance, describes the current characteristics and existing problems of urban migrant workers’ housing, and thinks that we should draw lessons from the development mode of microfinance both at home and abroad to help solve the housing problem for migrant workers. By contrasting the work, living style and living conditions of migrant workers under different employment conditions in the industry, through reasonable assumptions, a model of experimental housing microfinance to help solve the housing problem of urban migrant workers’ employment is designed and the feasibility of the model , Economic and social benefits and other aspects of the analysis and prospects.