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本文主要阐释了公益性小额信贷作为一种创新型金融服务模式,依托于非政府组织,在消除贫困和促进经济社会协调发展中的作用,分析了其当前面临的问题并针对其发展方向提出了若干建议。作为独立于政府机构外的非政府组织近年来在弥补公共政策落实上的不足以及建立普惠性金融体系中发挥了重要作用。然而,由于非政府组织自身的限制以及其社会目标和经济目标上的明确界限使公益性小额信贷的发展面临挑战。本文同时指出,只有克服这些挑战才能使公益性小额信贷更好地为欠发达地区提供金融服务,推进普惠目标的实现。
This paper mainly expounds the public microfinance as an innovative financial service mode, relying on non-governmental organizations in the fight against poverty and promoting the coordinated development of economy and society, analyzes the current problems and proposes for its development direction Some suggestions. As a non-governmental organization independent of government agencies, it has played an important role in recent years in remedying deficiencies in the implementation of public policies and establishing an inclusive financial system. However, the development of public welfare microfinance faces challenges due to the limitations of non-governmental organizations and the clear boundaries between their social goals and economic goals. At the same time, this article points out that only by overcoming these challenges can we help MFNs to better provide financial services to underdeveloped areas and push forward the goal of inclusiveness.