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小额信贷在我国已发展了十几年,其在消除贫困上的作用为金融界所共识,然而始终没有大范围推广,很大程度上由于尚未建立能够持续性发展的运营模式。全面协调可持续发展是科学发展观的基本要求,消除贫困是建设社会主义新农村的最终目标,因此,进一步完善并推广小额信贷已刻不容缓。本文通过对我国现状的认识,在GB模式和印度模式的启发下,根据我国具体国情探索小额信贷可持续发展的模式。
Microfinance has been developed in our country for more than a decade. Its role in poverty eradication has been recognized by the financial community. However, microfinance has not been widely promoted in large part due to the fact that it has not yet established a sustainable operation mode. To comprehensively and coordinatedly promote sustainable development is the basic requirement of the scientific concept of development. Eliminating poverty is the ultimate goal of building a new socialist countryside. Therefore, it is imperative to further improve and promote microfinance. Based on our understanding of the status quo in our country, inspired by the GB model and the Indian model, this paper explores the mode of sustainable development of microfinance according to China’s specific national conditions.