摘 要
银行信贷致力于为低收入人群和微型企业提供金融服务，为解决许多发展中国家甚至发达国家存在的贫困问题提供了一种全新的方法。我国于20世纪80年代引入银行信贷模式，但发展比较缓慢。其中贷款公司是由自然人、企业法人与其他社会组织投资设立，不吸收公众存款，经营贷款业务的有限责任公司或股份有限公司。从我国非政府形式的银行信贷机构与试点的贷款公司的发展情况来看，还存在不少问题，如对贫困者的覆盖面和机构的可持续发展不能兼容，因此需要寻找适合我国国情的银行信贷的发展之路。
本文首先分析了目前我国银行信贷的发展现状和发展中普遍存在的问题，然后展望银行信贷在我国的发展前景，最后通过借鉴国际经验提出了一些政策性的建议。
Abstract
Microfinance is committed to provide financial services for low-income groups and miniature enterprise， to solve the problem in many developing countries and even the problems of poverty in the developed countries provides a new method. Microfinance mode was introduced into our country in the 1980 s， but develop slowly. The small loan company is invested by natural persons， enterprise as a legal person and other social organizations set up， don’t absorb public deposits， small loans business limited liability company or joint stock limited company. Of non-governmental microfinance institutions in the form of in China with the development of small loan company pilot run， there exist many problems， such as for the sustainable development of poor coverage and institutions can not compatible， so you need to find suitable for the development of China’s national conditions of microfinance.
This paper first analyzes the present situation of the development of microfinance in China and developing common problem， then the future of microfinance in our country， finally， draw lessons from international experience and puts forward some policy Suggestions.
Keywords Microfinance Microfinance Institutions Find
the Status Quo
目 录
