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面向融资弱势群体的小额贷款,目前存在资金来源的持续性无法保证、小额信贷利率上限的存在、可持续发展能力不强、小额信贷组织的法律框架与有效监管缺失等问题。本文认为,应该从加强风险防范、推进小额信贷利率市场化,创新小额信贷模式、多渠道筹措资金、促进小额信贷组织创新等多方面,推进小额信贷商业化可持续发展,以服务农村经济发展需要。
For small-sum loans to finance vulnerable groups, there is currently no guarantee of the continuity of funding sources, the existence of an upper limit on the interest rate of microfinance, the weak capability of sustainable development, the legal framework of microfinance institutions and the lack of effective supervision. This paper argues that we should promote the commercialization of microfinance in a sustainable manner by strengthening risk prevention, marketizing the interest rate liberalization of microcredit, innovating the mode of microfinance, raising funds through multiple channels and promoting the innovation of microfinance institutions so as to serve Rural economic development needs.