小额信贷运作模式的比较与分析.PDFVIP

第 22卷第 5期 2010年 9月 Vol. 22 No. 5 2010. 9 Journa l of J iax ing Un iversity 69 103969/ iissn1008- 6781201005011 1 2 潘煜双 , 钱 涛 ( 1. , 314001; 2. , 100084) : 通过对国内外小额信贷具体运作模式的分类和比较, 重点分析了现有国内小额信贷运作模式的 特点及存 的问题, 并借鉴国外成功经验, 提出国内小额信贷充分利用民间资本的必要性及可能性同时提 出, 国内小额信贷运作模式的创新必须解决信贷行为商业化资金来源多样化利率标准市场化风险控制 系统化信贷监管差别化模式发展规范化等问题 : 小额信贷; 运作模式; 比较 : F832755 : A : 1008- 6781( 2010) 05- 0069- 06 Com par ison and A n aly sis of M icrofinance O peration M ode 1 2 PAN Yu- s uang , QIAN Tao ( 1. Sc ool of Business, Jiaxing University, J iaxing, Z ejiang 314001; 2. Tsing uaUn iversity, Beijing 100084) A bstract: T roug t e classification and comparison of specific operation m ode of m icrofinance at om e and a- broad, t is paper focuses on analyz ing t e c aracteristics and prob lem s of t e existing operation m ode of t e domestic m icrofinance, t en draws on t e successful experience of foreign countries and proposes t e necessity and poss ibility of dom estic m icrofinance fu lly us ing t e folk capitals. T e paper also presents t e idea t at t e innovation of dom esticm -i crofinance operation m ode s ould necessarily see t e mi provements in aspects suc as t e comm ercialization of credit and loan, d iversification of capital source, m arketization of interest rate standard, system atization of risk control, dif- ferentiation of credit supervision, norm alization ofm ode development, etc. K ey w ord s: m icrofinance; operation m ode; com parison 20 90, , , , 一国外小额信贷典型模式分析 , 20 70 , , , , , 2009 9 22 , , ,