中国小额信贷的监管.ppt

Reason and Objectives for a new regulation 新监管规则的目标及设立的原因 Legalize microfinance operations in China 使中国小额信贷的运行合法化 To achieve sustainable and viable microfinance in China 使中国的小额信贷及小额信贷机构可持续发展。 Reason and Objectives for a new regulation 新监管规则的目标及设立的原因 Create competition in the rural financial market in western and central provinces in addition to the dominance of RCCs 在中国的中西部地区，在农信社之外，准入新的贷款机构，创造市场竞争 Encourage flow of funds into rural areas and western and central provinces 鼓励资金向中西部地区，北向农村地区流动。 Microcredit – what it can, what it cannot小额信贷： 能干什么，不能干什么 Microcredit – what it can, what it cannot小额信贷： 能干什么，不能干什么 But It is short-term finance with small money 但是，小额信贷是小额的短期贷款 Microcredit is not for the poorest of the poor – they need grant schemes 小额信贷并不一定适合最贫困的人口，最贫困的人口需要的是赠款。 Microcredit is not the appropriate technology for medium and long-term agricultural credit 小额信贷不适合农业生产的中长期贷款 Microcredit – why is it not yet successful in China ?小额信贷：为什么在中国还没有成功 Microcredit – why is it not yet successful in China ?小额信贷：为什么在中国还没有成功 Microfinance concept not always clear 小额信贷的概念不是始终清楚 Interest rate ceilings 利率上限规定 Group lending technology has limits 小组联保的方法有其局限性 Only limited networking within China 在中国，小额信贷的网络和支持体系不够 A regulation of microfinance in ChinaTopics to be addressed I中国小额信贷新监管规则应讨论的问题于I 1. What kind of legal entity ? 小额信贷机构采取什么法律形式？ 2. Range of products ? 小额信贷的产品范围？ 3. How to avoid misuse ? 如何防止规则的误用？ 4. What sources of funds ? 小额信贷的资金来源 A regulation of microfinance in ChinaTopics to be addressed II中国小额信贷新监管规则应讨论的问题 II 5. How to structure the sector (association, training institute, apex banks etc.) ?如何形成小额信贷产业 （协会，培训机构， 资金批发组织，等？ 6. How to formulate the regulation ? 如何制定监管规则？ 7. How to implement the new regulation ? 如何执行新的监管规则？ A regulation of microfinance in China – recommendations I中国小额信贷监管规则： 建议 1 What kind of legal entity ? 小额信贷机构采取什么法律形式？ Credit only 只从事贷款的机构 No prudential regulation and supervision needed 不需要谨慎监管 Non-bank finan