摘要
论文介绍了中国公益性小额信贷的起源与发展历程,并对其制度环境与组织制度的变迁、经营管理成败的经验与教训以及继续发展的必要性和机遇进行了深入分析。论文认为公益性小额信贷是普惠金融的重要组成部分,具有巨大的发展潜力。在微观层面上中国公益性小额信贷是成功的;而宏观层面的法规缺失是其没有发展壮大的主要原因。公益性小额信贷机构可能有多种发展方向,政府监管部门应制定相应政策,予以支持和规范。
This paper presents the origin and development history of China’s non-profit microfinance institutions, analyzes the transition of external institutional environment and organizational institution, summarizes the experiences and lessons of success and failure, and disucusses the necessity and opportunity of the future development of NP-MFIs. And then, this paper cloncludes that the NP-MFIs are important part of inclusive financial, with great development potential. Also, NP-MFIs are successful at micro level in China, but have not grown up at the macro level due to the lack of necessary policies and regulations, and the NP-MFIs are facing multiple choices for their future development. So, the regulatory authorities should formulate corresponding policies and regulations to support and regulate them.
作者
杜晓山
孙同全
DU Xiao-shan;SUN Tong-quan
出处
《农村金融研究》
2019年第12期3-12,共10页
Rural Finance Research
关键词
中国公益性小额信贷
政策法规
组织制度发展
Non-Profit Microfinance Institutions
Policy and Regulation
Development of Organizational Institution
