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2004-2012年,连续8个中央一号文件将农村金融问题作为金融改革的重中之重。但是,多元化需求仍然没有得到充分满足,供求结构性失衡顽疾依然存在。从发展进程看,小额信贷主要分成三个层次,第一层次是发展中国家试行的福利主义小额信贷组织;第二个层次是追求收入弥补成本,实现机构的可持续发展;第三个层次是追求商业渠道资金,实现赢利,达到财务上的可持续。目前国内外对小额贷款公司进行评价还处于初级阶段,鉴于小额贷款公司在运作模式、组织形式、资本规模、业务种类、服务对象、风险特征等方面与
From 2004 to 2012, a total of 8 Central Document No. 1 took the issue of rural finance as a top priority in financial reform. However, the diversified needs are still not fully met and the structural imbalances between supply and demand still exist. From the perspective of development, microfinance is mainly divided into three levels, the first level is the pilot welfare Welfare microfinance organizations in developing countries; the second level is the pursuit of income to make up for costs and achieve the sustainable development of institutions; the third The level is the pursuit of commercial channel funds, to achieve profitability, to achieve financial sustainability. At present, the evaluation of small loan companies at home and abroad is still in its infancy. In view of the mode of operation, organization, scale of capital, type of business, service targets and risk characteristics of the small loan companies