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小额贷款中的格莱珉模式和江西模式在贷款对象、贷款用途和贷款额度上类似,而在经济背景、文化背景、还款周期、贷款期限、担保方式、政府参与度和贷款利率等方面有所不同。要让我国小额贷款实现可持续发展,应在贷款额度上有所提高,年限上有所延长;要调整政府职能,由纯政策性贷款向市场化运作转型,根据借贷者的诚信表现给予不同的贴息、贷款额度和年限;重视并发挥由借贷者诚信建立起来的“社会资本”的作用,构建社会诚信机制,不断完善我国小额贷款政策。
The Grameen model of microfinance is similar to that of Jiangxi model in terms of loan object, loan usage and loan quota, but in economic background, cultural background, repayment cycle, loan term, guarantee method, government participation and loan interest rate Different. In order to achieve sustainable development of China’s microfinance, we should increase the amount of loans and extend the number of years. To adjust the government functions, we should shift from pure policy loans to market-oriented operation, and make the difference according to the creditworthiness of borrowers Discount and loan limit, and pay attention to and play the role of “social capital ” established by creditworthiness of creditors to construct a mechanism of social honesty and credit and constantly improve the policy of microfinance in our country.