中国的小额贷款公司融资模式的探究

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1、摘要㈣Y23㈣209㈣45删最早源于孟加拉国的小额担保贷款形式，在上世纪70年代，穆_午修磕r_几AbstractSinceMuhammadYunusexploredsmallloansforpoorpeoplein1976，officiallybegantooperateGrameenBankin1983，andachievedgreatsuccess，othercountriesbegantolearnfromGrameenBankmodel．MicrofinanceloanformoriginatedinBangladesh，inthelastc

2、entury70’S，MohamudYunusfoundedtheGrameenBangladeshAgriculturalBankinBangladesh(Grameen．，meaningVillage)testbranch,Grameenmicrofmancemodebeginstoformgradually．Yunusproposedtoreformcapitalism，primitivecapitalismadvocateiscompetitiveandtheprofitmotive，Yunusproposedtochangethecapita

3、lmodelandtheoriginal．Ourcountryisconcemed，the90‘Softhelastcentury,alongwiththeintensifiedeconomicrestructuring，furtherdeepeningofenterprisereform，employmentandre—employmentformcausedveryserious．Inordertoplayareasonableallocationoffinancialsupportinthereemploymentandenlivensmalla

4、ndmedium—sizedenterprises，tostimulatethenationaleconomicdevelopmentandcapital，Chinabegantodevelopthesmall-sumsecuredloansin1999．butbecauseofsmallloanssecuredbusinessdevelopmentinChinaisrelativelylate，relatedpolicyisnotperfect，especiallythenatureoftheproblemonthemechanismofmicro．

5、creditguaranteeisnotclear,resultinginstimulationofthecapacityofnationaleconomyCo．，in2004theMinistryofFinanceissuedthe”Ministryoffinance，people’SBankofChina,theMinistryoflabourandsocialsecurityonthepromotionofthelaid．offworkersmicrofinancework，financialsupportpolicyimplementation

6、opinions”，smallloanstosupportentrepreneurshippolicyspecific，perfect，SOastopromotethedevelopmentofmicrofinance．Withthedevelopmentofsmallloanstopromotetheworkofmefinancialsystemandrelevantpolicies，institutionsandmechanisms,alsoatcontinuouslyperfect．In2007and2008theCBRCenactedthe”g

7、uidance”totheChinaBankingRegulatoryCommissiononbankingfinancialinstitutions，thedevelopmentofruralmicrofinancevigorouslyand”ChinaBankingRegulatoryCommission，thepeople’SBankofChinaonthepilotmicro—creditcompanymanagement．”．Atthesametime，in2008August，thepeople’SBankofChina，theMinist

8、ryoffinance，issued”onfurtherimprovingthemicrofi