小额金融机构监管须谨防与服务低收入群体冲突
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财经研究 2011 年 第 37 卷第 01 期, 页码：125 - 135
摘要
参考文献
摘要
以服务低收入群体为宗旨的小额金融机构(MFI)近年来在中国发展迅速,其监管制度正在探索之中。国际经验表明,接受监管与不接受监管的两类机构在业务深度上存在显著差异。监管似乎抑制了MFI对低收入群体的服务,违背了其创立初衷。充足资本有助于MFI拓展业务深度,是监管可能带来的积极影响。此外,MFI的其他微观控制变量及所在国的宏观背景也会影响其业务深度。中国要防止简单套用传统金融机构的监管体制和方法,谨防业务出现漂移。
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[2]Christen,Robert Peck,Timothy Lyman,Richard Rosenberg.Microfinance consensusguidelines:Guiding principles on regulation and supervision of microfinance institutions[R].Washington,DC:Consultative Group to Assist the Poor,2003.
[3]Dewatripont M,Tirole J.The prudential regulation of banks[M].MIT Press,Cam-bridge,Massachusetts,1994.
[4]Demirguc-Kunt A,Laeven L,Levine R.Regulations,market structure,institutions,and the cost of financial intermediation[R].Journal of Money Credit and Banking,2004,36:539-622.
[5]Hartarska,Valentina.Governance and performance of microfinance institutions in cen-tral and eastern Europe and the Newly Independent States[J].World Development,2005,33(10):1627-1643.
[6]Hausman J,Taylor W.Panel data and unobservable individual effects[J].Econometri-ca,1981,49:1377-1398.
[7]Mersland Roy,Rystein Strm.Performance and governance in microfinance institu-tions[J].Journal of Banking and Finance,2009,33(4):662-669.
[8]Rhyne E.Mainstreaming microfinance:How lending to the poor began,grew and cameof age in Bolivia[M].Kumarian Press,Hartford,Connecticut,2001.
[9]Sarmishta P.Household sectoral choice and effective demand for rural credit in India[J].Applied Economics,2002,34:1743-1755.
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何光辉, 杨咸月. 小额金融机构监管须谨防与服务低收入群体冲突[J]. 财经研究, 2011, 37(1): 125–135.
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