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随着小额信贷业务的产生和不断发展,小额信贷的主要推动者向世界展示了一个诱人的“双赢”的观点,这一观点促进了小额信贷事业的进一步发展。该观点认为,那些有效遵循银行业发展原则的小额信贷机构是引领那些最贫困人群实现脱贫致富的最佳机构。人们耳熟能详的有关小额信贷业务的经典案例的成功秘诀也就在此。然而,这个诱人的双赢观点要想发展成为被人们所通用的政策措施似乎还有很长的一段距离。因为这一观点的提出缺乏逻辑上和确切可用的经验证据的支持。认识到这一诱人主张的局限性有助于小额信贷业务更加健康有效的发展。
With the emergence and continuous development of the microfinance business, the main promoter of microfinance has shown the world an attractive “win-win” view, which has promoted the further development of the microfinance. The view is that those MFIs that effectively follow the principle of banking development are the best agencies that lead the poorest people to get out of poverty and get rich. Here’s where the classic recipe for microcredit has come to be known. However, it seems that there is still a long way to go before this attractive win-win perspective can be developed into the policy measures commonly used by people. Because the proposition of this view lacks the support of logically and exactly available empirical evidence. Recognizing the limitations of this tempting claim can help make the microfinance operations more healthy and effective.