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“十一五”期间,如何通过农村金融改革来促进社会主义新农村建设,是摆的我们面前的一个重要课题。“积极探索包括小额信贷组织在内的新型农村金融组织形式”是央行在推进农村金融改革整体计划中一个重要组成部分。目前,中国人民银行已正式将陕西、山西、内蒙、四川、贵州等五省区确定为实施小额信贷组织的试点地区。这种由民间资本发起的“只贷不存”的微型金融组织,不仅是解决农村经济和微小企业融资难的有益尝试,同时也是对现有金融体制的一次突破与创新。本文通过对赤峰市昭马达妇女可持续发展协会这一非赢利小额信贷组织的运作模式进行调查分析,探索小额信贷组织可持续发展的有效途径。
During the 11th Five-Year Plan, how to promote the building of a new socialist countryside through rural financial reform is an important issue before us. “Actively explore new forms of rural financial organizations, including microfinance organizations” is an important part of the overall plan of the central bank to promote rural financial reform. At present, the People’s Bank of China has formally identified five provinces and autonomous regions including Shaanxi, Shanxi, Inner Mongolia, Sichuan and Guizhou as pilot areas for the implementation of microfinance organizations. This “financial loan-only” micro-financed organization initiated by private capital is not only a useful attempt to solve the problems of rural economy and micro-enterprise financing but also a breakthrough and innovation in the existing financial system. This paper investigates and analyzes the mode of operation of the non-profit microcredit organization of ZhaoMaDa Women’s Sustainable Development Association in Chifeng and explores the effective ways for the sustainable development of microcredit organizations.