摘要
从国际经验考察中国小额信贷商业化进程,存在市场化运作不充分,垄断现象突出,金融开放政策不彻底等问题。基于我国国情与现实,未来我国小额信贷商业化应在创造多元有序竞争的金融环境、探索多层次农村资金批发零售机制、发展各种小额信贷商业合作创新机制、加强立法并重视NGOs等小额信贷机构商业化的要求等方面不断加强。
The paper researches the commercialization of Chinese microfinance compared with international experiences. Some problems have been discovered, such as non-market-oriented operation, financial monopoly, having not entirely opening policy and so on. In the future, according to the reality, we should create a financial environment of fair competition; establish a multi-level system of wholesale and retail agricultural funds; develop new commercial cooperation mechanism; strengthen legislation of commercialization of NGOs.
出处
《财经理论与实践》
CSSCI
北大核心
2008年第2期32-36,共5页
The Theory and Practice of Finance and Economics
关键词
小额信贷商业化
模式
国际经验
政策建议
Commercialization of Chinese microfinance
Model
International experience
Policy advices
