Du Xiaoshan-中国小额信贷的发展与政策_贷帮.pdfVIP

★ Development and Policies of Microfinance in China 中国小额信贷的发展和政策 杜晓山 Du XiaoShan 中国社会科学院农村发展研究所 Rural Development Institute of Chinese Academy of Social Science 2006年3月 March, 2006 1 Overview of Microfinance in China 中国小额信贷概述 Policy Environment 政策环境 Demand 需求 Supply 供给 2 Overview of Microfinance in China: Demand 中国小额信贷概述：需求 Large Market of Demand 需求市场巨大  More than 60% people are living in the rural areas, which are dominant in market demands; There are poor people in urban areas as well.  60%多的人口居住在农村，农村是市场需求的主体；城市中也有贫 困人口  The poor population under the poverty line standard of world bank (the income of 1 dollar per day): Approx 120 million people (10% or so in the total population)  生活在世界银行贫困线标准（1天1美元收入）下的贫困人口：约 1.2亿人（占人口总数的10%左右）  Rural poor population under the poverty line standard of RMB850, the current annual income per capita in our country: Approx more than 80 million people  以我国目前人均年收入850元人民币的贫困线标准计的农村贫困人 口：约8000余万人 3 Overview of Microfinance in China: Supply 中国小额信贷概述：供给(1) There are mainly six major six Microfinance Programs in our country: 我国目前主要有六类小额信贷项目: Program 1: The micro loaning funded by the international institutions as a short-term “program”. The monetary amount is approx. RMB 1 billion. 类型1：以短期“项目”形式运作，由国际机构资助的小额信贷。 资金量约10亿元 Program 2: The government-dominated (Government+Bank) micro loaning funded by the discount government loan and the poverty reduction loan of agricul