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长期以来,如何运用金融手段来解决我国“三农”问题一直是社会所关注的焦点和热点。而2006年诺贝尔和平奖得主尤努斯创办的孟加拉格莱珉银行的成功使得农村金融市场有了可借鉴的模式。并在其诞生之后相继出现了一系列具有各国特色的小额借贷模式,为中国特色的小额借贷提供了经验。文章旨在通过对小额贷款制度的担保模式对比,为中国小额贷款找到一条可持续发展之路。
For a long time, how to use financial means to solve the “three rural issues” has always been the focus of attention in the society. The success of the Grameen Bank in Bangladesh, founded by the Nobel Peace Prize winner Yunus in 2006, has given the rural financial markets a model for reference. After its birth, a series of micro-lending models with different national characteristics emerged one after another, which provided experiences for the microfinance with Chinese characteristics. The article aims to find a road to sustainable development for China’s microfinance by comparing the guarantee modes of the microfinance system.