金融理论与实践
金融理論與實踐
금융이론여실천
FINANCIAL THEORY AND PRACTICE
2014年
3期
52-54
,共3页
担保%小额信贷%破产掠夺%可持续发展
擔保%小額信貸%破產掠奪%可持續髮展
담보%소액신대%파산략탈%가지속발전
guarantee%microfinance%bankruptcy to loot property%sustainable development
以小额信贷目标客户与担保机构的产生为起点，阐述了“担保+小额信贷”模式的竞争优势，该模式在解决小微企业融资难问题上发挥了一定作用。但是，通过分析发现，“担保+小额信贷”模式并非完全有效，现有条件下不能转嫁风险，更不能促进小额信贷机构核心竞争力提升与可持续发展。
以小額信貸目標客戶與擔保機構的產生為起點，闡述瞭“擔保+小額信貸”模式的競爭優勢，該模式在解決小微企業融資難問題上髮揮瞭一定作用。但是，通過分析髮現，“擔保+小額信貸”模式併非完全有效，現有條件下不能轉嫁風險，更不能促進小額信貸機構覈心競爭力提升與可持續髮展。
이소액신대목표객호여담보궤구적산생위기점，천술료“담보+소액신대”모식적경쟁우세，해모식재해결소미기업융자난문제상발휘료일정작용。단시，통과분석발현，“담보+소액신대”모식병비완전유효，현유조건하불능전가풍험，경불능촉진소액신대궤구핵심경쟁력제승여가지속발전。
Starting with the emerge of microfinance target customers and guarantee agencies, the model of Guarantee Corporation&Microfinance has competitive advantages,which plays a positive role in fi-nancing for small and micro enterprises. However, the model isn’t so perfect by theoretical analysis and can’t realize passing on risk under the current condition. It is harmful for microfinance institutions to build core power and develop sustainably.
