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小额信贷是传统金融的有力补充,是搭建多层次金融服务体系的重要一环。2008年5月,中国银行业监督管理委员会、中国人民银行联合颁布了《关于小额贷款公司试点的指导意见》,浙江、重庆相继成为小额贷款公司试点城市。截止至2012年6月,全国共有小额贷款公司5267家,贷款余额4893亿元。伴随小额贷款公司的快速兴起,越来越多的人对小额贷款、小额信贷,乃至于微型金融产生了兴趣。文章旨在通过介绍国际上典型的小额信贷运行机制及对微型企业特征的简要分析来阐释小额信贷的运行原理,并对适合中国的小额信贷运行机制提出了一些建议。
Microfinance is a powerful supplement to traditional finance and an important part of building a multi-level financial service system. In May 2008, the China Banking Regulatory Commission and the People’s Bank of China jointly promulgated the Guiding Opinions on Piloting of Small Loan Companies. Zhejiang and Chongqing have successively become pilot cities for small loan companies. As of June 2012, there were 5,267 small loan companies nationwide, with a loan balance of 489.3 billion yuan. With the rapid rise of microfinance companies, more and more people are interested in microfinance, microfinance and even micro-finance. The article aims to explain the operating principle of microfinance by introducing the typical microfinance operation mechanism in the world and a brief analysis of the characteristics of microfinance enterprises. Some suggestions are put forward for the microfinance operation mechanism suitable for China.