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小额信贷的可持续发展:基层实践与启示从最初的扶贫济困,到如今的帮助农民致富奔小康,在中国,由农村信用社等正规金融机构提供的小额信贷正在惠及越来越多的农户。与普通商业信贷不同的是,小额信贷所面对的是商业化、市场化程度不充分的经济主体,对于金融机构来讲,这更多地意味着高成本和高风险。因此,在已有条件下如何提高效率,使小额信贷更好地满足弱势经济群体的需求,同时实现小额信贷的持续发展,始终是需要不断思考和探索的问题。近年来,基层涌现出的很多创新做法正是由此展开,它们试图从不同层面和角度来降低成本、控制风险,以提高小额信贷的效率和效益,推动小额信贷的持续发展。本期一线话题以案例形式介绍了一些小额信贷实践中的创新举措,这些做法都是中国自主创新与国际小额信贷经验相结合过程中产生的实践智慧。希望实践者们的所思、所想和所为,为未来中国小额信贷的发展提供经验积累与借鉴。
Sustainable Development of Microfinance: Grassroots Practices and Enlightenment From the initial poverty alleviation efforts to helping farmers get rich and well-off nowadays, microfinance in China is being benefited more and more by the formal financial institutions such as rural credit cooperatives Farmers. Unlike ordinary commercial credit, microfinance faces the commercialization and under-marketization of economic subjects, which means more to the financial institutions that it is more costly and risky. Therefore, how to improve the efficiency under the existing conditions so that the microfinance can better meet the needs of the disadvantaged economic groups while realizing the sustainable development of microfinance is always an issue that needs constant thinking and exploration. In recent years, many innovations emerged at the grassroots level. They tried to reduce costs and control risks at different levels and angles so as to increase the efficiency and effectiveness of microfinance and promote the sustainable development of microfinance. This issue of first-line topics introduces some innovative initiatives in the practice of microfinance in the form of cases, all of which are practical wisdom generated by the combination of China’s independent innovation and the international microfinance experience. We hope practitioners will think and think about what they want and will provide experience and reference for the future development of China’s microfinance.