Joselito Almario通过合作模式改进小额信贷监督机制贷帮.pdfVIP

IMPROVING SUPERVISION OF MICROFINANCE THROUGH PARTNERSHIP MODELS 通过合作模式改进小额信贷监督机制 JOSELITO S. ALMARIO Department of Finance, Republic of the Philippines 菲律宾共和国财政部 24 March 2006 2006年3月24 日 PRESENTATION OUTLINE 陈述要点 • The Past • 过去 • The National Credit Council • 国家信贷委员会 • What were done • 做过些什么 • The National Strategy for Microfinance • 国家小额信贷战略 • Regulatory Framework for Microfinance • 小额信贷的调整框架 • Important Lessons • 重要收获 THE PAST 过去 • Absence of a comprehensive government policy on credit • 缺少信贷的综合政府政策 • Proliferation of subsidized government directed credit programs (DCPs) • 政府直接信贷补助项目的扩张 • Weak private sector participation in credit delivery due to extensive government competition • 因为政府大范围的竞争，私人部门在信贷方面 的参与度较低 THE PAST 过去 • Fiscal losses due to low repayment rates of DCPs • 政府直接信贷补助项目的低回报率造成的财 政损失 • Lack of access by the poor from formal credit • 贫困人口缺少进入正轨信贷的渠道 • Unsustainable private financial institutions dependent on government cheap funds • 政府廉价资金导致非可持续发展的私人金融 机构 THE BEGINNINGS . . . 开端… • Feedback/studies show that government directed--credit programs (DCPs) are ineffective and inefficient • 反馈与研究均显示国家直接信贷计划的无效与不足 • A broadA broad--based private multi －sectoral group (Social Pact on Credit) calls for credit policy reforms • 一个包含广泛的私人多部门团体（信贷社会协议）要求信贷政 策改革 • The Pact became part of the Social Reform Agenda －the government’s blueprint to address poverty… • 这个协议成为了社会改革日程中的一部分——政府着手解决贫 困的蓝图 • To meet the challenge, the President created the National Credit