【摘要】：小額信貸主要有兩個(gè)目標(biāo):一是扶貧;二是小額信貸機(jī)構(gòu)的可持續(xù)發(fā)展�？梢�,小額信貸機(jī)構(gòu)的可持續(xù)性是至關(guān)重要的,它決定了小額信貸機(jī)構(gòu)是否能夠擴(kuò)大業(yè)務(wù)規(guī)模,從而為更多的客戶提供服務(wù),更大程度上實(shí)現(xiàn)扶貧的目標(biāo)。本文從我國(guó)小額信貸發(fā)展背景與現(xiàn)實(shí)出發(fā),分別從運(yùn)行機(jī)制和宏觀環(huán)境兩方面探討了促進(jìn)小額信貸財(cái)務(wù)可持續(xù)發(fā)展的對(duì)策建議,提出在運(yùn)行機(jī)制上應(yīng)從四方面入手:貸款規(guī)模的合理規(guī)劃;信貸產(chǎn)品的靈活設(shè)計(jì);經(jīng)營(yíng)管理水平的提升;管理信息系統(tǒng)的建立。而宏觀環(huán)境的完善,應(yīng)該做到改變對(duì)小額信貸的定位、規(guī)范對(duì)小額信貸的監(jiān)管、優(yōu)化社會(huì)信用環(huán)境和法律制度。
[Abstract]:Microcredit has two main objectives: one is poverty alleviation; the other is the sustainable development of microcredit institutions. It can be seen that the sustainability of microfinance institutions is very important, which determines whether microfinance institutions can expand the scale of business, so as to provide services for more customers and achieve the goal of poverty alleviation to a greater extent. Based on the background and reality of microcredit development in China, this paper probes into the countermeasures and suggestions for promoting the sustainable development of microcredit finance from two aspects of operation mechanism and macro environment, and puts forward that the operation mechanism should start from four aspects: reasonable planning of loan scale, flexible design of credit products, improvement of management level and establishment of management information system. In order to perfect the macro environment, we should change the orientation of microcredit, standardize the supervision of microcredit, and optimize the social credit environment and legal system.
【作者單位】： 三峽大學(xué)經(jīng)濟(jì)與管理學(xué)院;
【分類號(hào)】：F832.4

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 徐涵蕾;;資源型城市產(chǎn)業(yè)協(xié)同機(jī)會(huì)和能力評(píng)價(jià)研究[J];中國(guó)人口.資源與環(huán)境;2010年02期

2 黎孔清;陳銀蓉;;怎樣有效控制城市蔓延——美國(guó)新城市主義的理念與實(shí)踐[J];中國(guó)土地;2010年01期

3 郝翠;李洪遠(yuǎn);孟偉慶;;國(guó)內(nèi)外可持續(xù)發(fā)展評(píng)價(jià)方法對(duì)比分析[J];中國(guó)人口.資源與環(huán)境;2010年01期

4 耿涌;王s，

本文編號(hào)：2524608