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随着小额信贷在国际范围内的迅速发展,小额信贷的可持续性问题逐渐得到了广泛的国际关注。本文通过对我国小额信贷的实践历程、现状与存在不足的分析,对我国小额信贷开展过程中政府的职能、利率政策和商业化经营等问题进行思考,在此基础上对我国的小额信贷实现可持续发展提出了制订具有我国特色的《小额信贷法》、制定产业政策导向机制、建立宽松灵活有效的金融监管体系和加强农村信用环境建设,提高小额信贷发展的外部环境等政策建议。
With the rapid development of microfinance in the international community, the issue of the sustainability of microfinance gradually gained widespread international attention. Based on the analysis of practice, status quo and existing problems of microfinance in our country, this paper ponders over the functions of government, interest rate policy and commercial management in the process of developing microfinance in our country. On the basis of this, Promote sustainable development of credit put forward the formulation of the “Microcredit Law” with Chinese characteristics, the formulation of industrial policy-oriented mechanism, the establishment of a flexible and effective financial regulatory system and to strengthen rural credit environment and improve the external environment for the development of microfinance policies Suggest.