乡村银行信用机制在构建 中国金融信用体系的可行性分析

Abstract

The idea of establishing ‘the bank for the poor’ advocated by Yunus has aroused worldwide attention these years. The micro-credit system, one component in rural finance credit system targeted at the poor and small-scaled enterprises provides precious enlightenments to China as for boosting the agricultural economy and supporting start-up small enterprises. However, its promotion is not as smooth as expected. Micro-credit model is facing dilemma in the process of localization for a series of reasons not only on the political and institutional level but also on the organizational and social level. This article is aimed at elaborating on the credit system of the Grameen Bank founded by Yunus and the application of the ‘bank for the poor’ in China. Additionally, pros and cons are analyzed concerning the localization of the credit system and suggestions are presented for its further development. Finally, it is given what banks, enterprises and other market participants should do to fulfill duties of the development of the rural finance credit system.

[Essay published in the context of the fourth CSR paper Competition, organized by the Center of International Business Ethics CIBE, Bejing, China, in 2010.]