借鉴国际经验促进我国小额信贷的商业化发展（Using international experience for reference to promote commercial development of microfinance in China）.docVIP

借鉴国际经验促进我国小额信贷的商业化发展（Using international experience for reference to promote commercial development of microfinance in China） The existing micro credit institutions to create pressure to survive, to strengthen management, reduce costs, and actively innovate, this has become an important external driving factors for the sustainable development of microfinance institutions. As in Bangladesh, there are many institutions to provide micro credit to rural areas, and even a district where there are 40 -125 institutions to provide microfinance services, it is this competition environment into a dynamic continuous development of the Grameen Bank, to promote its efforts to provide differentiated products. At present, the products provided by Grameen Bank cover the education, health, retirement and debt burden of the borrowers children until the death of the service products, and are in a favorable position in competition with other organizations. In Indonesia, in addition to the Indonesian peoples Bank (BRI) to provide microfinance services, and rural banks and other non bank institutions to provide microfinance services, including rural banks and rural credit institutions (BPR) (BKD) etc.. In Ukraine, in addition to the microfinance Bank (MFB), there are many other micro credit organizations, such as Aval bank, forum banking, micro and small enterprises, project department and so on. These institutions depend on each other, forming a situation of each division of labor and moderate competition, and promoting the sustainable development of microfinance institutions. (two) high interest margin is a common characteristic of international microfinance The serious information asymmetry, the lack of high cost of these four kinds of special collateral, specific costs and risks, the credit crunch caused by non production, is the main problem of microfinance institutions issuing loans in rural areas face, which makes it difficult to profit. Local financial institutions are often unab