经济理论与经济管理
經濟理論與經濟管理
경제이론여경제관리
Economic Theory and Business Management
2011年
9期
77~86
,共null页
印度小额信贷危机 高利率盈利模式 信贷互助模式
印度小額信貸危機 高利率盈利模式 信貸互助模式
인도소액신대위궤 고리솔영리모식 신대호조모식
India microcredit crisis; high interest rate model; mutual cooperatives model
印度小额信贷危机震惊了全球，唤醒了人们对高利率盈利模式的反思。近年来，印度小额贷款利率持续上升并维持于高位——而极高的利率并非基于成本和风险的考虑——挤出经营性贷款需求——借款人因无力偿债而引发社会危机。危机表明，高利率的小额贷款只会为其经营者带来持续的高利润，而借款人的生计则陷入不可持续的困境。中国小额信贷起步较晚，但在利率问题上存在同样盲区。高利率在中国同样难担脱贫之任，低收入者的希望是支付得起的低利模式，即信贷的互助合作。
印度小額信貸危機震驚瞭全毬，喚醒瞭人們對高利率盈利模式的反思。近年來，印度小額貸款利率持續上升併維持于高位——而極高的利率併非基于成本和風險的攷慮——擠齣經營性貸款需求——藉款人因無力償債而引髮社會危機。危機錶明，高利率的小額貸款隻會為其經營者帶來持續的高利潤，而藉款人的生計則陷入不可持續的睏境。中國小額信貸起步較晚，但在利率問題上存在同樣盲區。高利率在中國同樣難擔脫貧之任，低收入者的希望是支付得起的低利模式，即信貸的互助閤作。
인도소액신대위궤진량료전구，환성료인문대고리솔영리모식적반사。근년래，인도소액대관리솔지속상승병유지우고위——이겁고적리솔병비기우성본화풍험적고필——제출경영성대관수구——차관인인무력상채이인발사회위궤。위궤표명，고리솔적소액대관지회위기경영자대래지속적고리윤，이차관인적생계칙함입불가지속적곤경。중국소액신대기보교만，단재리솔문제상존재동양맹구。고리솔재중국동양난담탈빈지임，저수입자적희망시지부득기적저리모식，즉신대적호조합작。
The current turmoil in India microcredit is awakening a reflection on the model of high interest rate for microloan. The interest rate of microloans has been rising and remaining at a high level for recent years. Usurious interest rates, which based on neither operating costs nor risks, have been crowding out operation loan demands. Insolvency of borrowers owing to usurious interest rates has led to social crisis. The microcredit crisis shows that investors of MFIs have earned sustaining huge profits from microloans with high interest rates while borrowers have trapped in unsustainable harsh conditions. Although China started microcredit years ago, it is also suffering from similar interest rates problem. High interest rates for microloans do not help to alleviate poverty which needs affordable credit, mutual cooperatives for credit, for low-income groups.
