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《China Microfinance IndustryAssessment Report 中国小额信贷产业 评估归纳总结报告.pdf》由会员上传分享，免费在线阅读，更多相关内容在应用文档-天天文库。
1、ChinaMicrofinanceIndustryAssessmentReportByHeGuangwen,DuXiaoshan,BaiChengyu,andLiZhanwuChinaAssociationofMicrofinanceFeb.17,2009ThisreporthasbeenjointlyaccomplishedbyProf.HeGuangwen,DirectorofRuralFinanceandInvestmentResearchCenterofChinaAgriculturalUniversity(CAU),Prof.DuXiaoshan,DeputyDir
2、ectorofRuralDevelopmentInstituteofChinaAcademyofSocialSciences(CASS)andChairmanofBoardofDirectorsofChinaAssociationofMicrofinance(CAM),Mr.BaiChengyu,DirectorofDivisionIIIofChinaInternationalCentreforEconomicandTechnicalExchange(CICETE)andSecretaryGeneralofCAMwiththesupportoftheNetworkStreng
3、theningProgram(NSP)ofCAM.Mr.LiZhanwu,DivisionDirectorofMinistryofHumanResourceandSocialSecurity,Dr.LiLiliofHenanUniversityofFinanceandEconomics,Dr.ZhangZhengping,AssociateProfessorofBeijingTechnologyandBusinessUniversity,Dr.YangJingofBeijingMaterialCollege,andLiYaning,YangLuandWangDanfromCA
4、Uhavealsojoinedtheresearchwork.Besides,thisreporthasobtainedtheguidanceandassistancefromMs.WangDan,ManagingDeputySecretaryGeneralofCAM,andtheexpertsofSEEP.Mrs.WangLi,PresidentofSocialResponsibilityDepartmentofCitiChinahasprovidedstrongadministrativeandprofessionalsupport.Hereby,specialthank
5、sshouldbegiventotheabovefellows.Formoreinformation,plscontactProf.HeGuangwenatheguangwen@sina.com1Abstract1Ⅰ.TheDefinitionofMicrofinance/MicrocreditTherearetworelatedwordsininternationalmicrofinancefield.Microfinancereferstofinancialservicesprovidedforthemiddleandlowincomepopulationwhilemic
6、rocreditindicatescreditservicesservingtheabovegroup.Besidesthemiddleandlowincomepopulation,therestillexistmanypeoplewhohavenoorlimitedaccesstofinancialservicesinthesociety,buttheservicesforthemareconcludedintotheconceptofinclusivefinance.Regardingtheconceptofmicrofinance/microcredit,nounifi
7、edunderstandinghasbeenreachedinChina.Thewritersuggeststhatitisbettertofollowinternationaldefinitiontodistinguishmicrofinanceandmicrocredit.Atpresent,microfinancecompaniesareprosperinginChina,butinfacttheyconducttheirbusinessesjustbydisbursingsmallamounto
