本文選題：印度小額信貸危機(jī) + 深層原因　； 參考：《經(jīng)濟(jì)科學(xué)》2011年04期

【摘要】：印度小額信貸危機(jī)震驚全球,引起人們對(duì)小額金融幫助低收入群體脫貧致富的神圣使命產(chǎn)生質(zhì)疑。實(shí)際上,其深層原因是小額貸款的無(wú)控制增長(zhǎng)導(dǎo)致過(guò)度集中;高回報(bào)吸引商業(yè)資本甚至對(duì)沖基金大量涌入;惡性競(jìng)爭(zhēng)誘導(dǎo)窮人過(guò)度借貸;劣幣驅(qū)逐良幣又使得社會(huì)責(zé)任退化。中國(guó)小額信貸雖然起步較晚,但類似的一些不良傾向正在出現(xiàn)甚至蔓延,應(yīng)該引起高度重視;否則將很難確保小額信貸使命的真正實(shí)現(xiàn)。
[Abstract]:India's microfinance crisis shocked the world, raising questions about the sacred mission of microfinance to help low-income groups out of poverty. In fact, the underlying causes are excessive concentration due to uncontrolled growth of microfinance; high returns attracting a flood of business capital and even hedge funds; vicious competition inducing poor people to borrow too much; and Bad money drives out good degenerating social responsibility. Although microfinance started late in China, some similar bad tendencies are emerging or even spreading, which should be attached great importance to; otherwise, it will be difficult to ensure the true realization of microfinance mission.
【作者單位】： 復(fù)旦大學(xué)國(guó)際金融系;上海社科院部門經(jīng)濟(jì)研究所;
【分類號(hào)】：F833.51;F832.4
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本文編號(hào)：1998808