小额信贷是个卖方市场。在印度,过高的利率招致大量逐利资金涌入,而急速增长和过于集中的小额信贷机构形成恶性竞争并最终酿成危机。中国小额信贷健康发展的策略是:建立社会绩效考核体系,防止目标偏离;实行利率管制,防止对贫困群体雪上加霜;杜绝滥用小额信贷概念,防止盲目冒进;加强对商业性资金进入的监管,防止系统风险发生。 Microfinance is a seller’s market. In India, excessive interest rates have led to a flood of profit-seeking funds, while the rapid growth and over concentration of microfinance institutions have led to vicious competition and eventually to a crisis. The strategies for the healthy development of China’s microfinance are: establishing a social performance appraisal system to prevent the target from deviating; implementing interest rate control to prevent the poverty-stricken population from worsening; eliminating the misuse of the concept of microcredit to prevent blindly advancing; strengthening the supervision over the entry of commercial funds, Prevent system risks from occurring.