论文部分内容阅读
作为金融支持县域经济发展的方式之一,小额信贷是近年来一个重要的金融产品创新。一直以来,我国的小额信贷都带有扶贫的性质,其所经历的几种主要模式,包括政府直接划拨经费给扶贫基金发放小额信贷、由国际捐赠方式形成的民间小额信贷组织和由农村信用社等金融机构提供的小额信贷,均因为难以持续而遭遇发展障碍。实践表明,只有具备了商业可持续,小额信贷才能够保持长久的生命力。2006年初台州市商业银行在追求商业利润的基础上进行的“小本贷款”试验,成为小额信贷商业化的一次有益尝试。
As one of the ways of financial support for the development of county economy, microfinance is an important financial product innovation in recent years. All along, the micro-credit in our country is characterized by poverty alleviation. Several main modes it has experienced include the government directly allocating funds to the poverty alleviation fund to issue micro-credit, the non-governmental microfinance organization formed by international donation and the Microfinance provided by financial institutions such as rural credit unions has encountered development obstacles because it is difficult to sustain. Practice shows that only with commercial sustainability can microfinance maintain its long-term viability. In early 2006, the trial of “small loans” conducted by Taizhou Commercial Bank on the basis of pursuing commercial profits became a useful attempt to commercialize microfinance.