应在我国发展多种形式小额信贷

摘要

In order to open the rural financial market steadily and improve the efficiency of rural financial system, as well as repress the illegal financial activities, various microfinance institutions should be developped in China, especially in rural area. Department of microfinance in general commercial banks, specialized microfinance banks （including RCCs and village banks）, specialized credit-only companies （including Micro-credit companies and credit companies）, rural loan societies, and not-for-profit microfinance institutions/programs should all have their positions.The guideline of prudential ＆ non-prudential regulation and supervision applicable to different kinds of institutions should be incorporated into the policies framework concerning the microfinance.%为稳步开放农村金融市场，提高农村金融服务效率，抑制非法融资的蔓延，应在我国农村地区发展多种形式小额信贷。应区分审慎性监管原则和非审慎监管原则，为综合性商业银行的小额信贷事业部、专业小额信贷银行（包括农村信用社和村镇银行）、专业小额贷款公司（小额贷款公司和贷款公司）、农村资金互助社、公益性小额信贷组织（项目）等各类组织创造良好的政策环境。