Promoting Efficient Rural Financial Intermediation
Promoting Efficient Rural Financial Intermediation
复制标题
促进高效的农村金融中介
DOI：
10.1093/wbro/13.2.147
复制
发表时间：
1998
影响因子：
8.1
通讯作者：
Stephanie Charitonenko
中科院分区：
文献类型：
--
作者：
Jacob Yawn;McDonald P. Benjamin;Stephanie Charitonenko
尽管政府传统上使用补贴信贷计划来促进农业增长，但这种方法通常未能提高农村地区的收入和减轻贫困。这也导致人们错误地认为农村信贷项目不可能盈利。一种新的方法是通过赋予政府一种完全不同的角色来提高农村地区的生活水平--为农村金融市场创造有利的法律的和政策环境，并通过精心设计和自我维持的干预措施以成本效益高的方式解决具体的市场失灵问题。有证据表明，这种方法可以非常成功。印度尼西亚人民银行的村镇银行系统表明，可以在不依赖补贴的情况下向数百万低收入农村客户提供金融服务。事实上，该计划通过使用简单、创新和可复制的技术为银行创造了巨大的利润。
Although governments have traditionally used subsidized credit programs to promote agricultural growth, this approach has generally failed to improve incomes and alleviate poverty in rural areas. It has also led to the mistaken belief that rural credit programs cannot be profitable. A new approach seeks to raise standards of living in rural areas by casting the government in a very different role- one of setting a favorable legal and policy environment for rural financial markets and addressing specific market failures cost effectively through well-designed and self-sustaining interventions. There is evidence that this approach can be highly successful. The village bank system of bank Rakyat Indonesia has shown that financial services can be extended to millions of low-income rural clients without relying on subsidies. Indeed, the program has generated enormous profits for the bank by using simple, innovative, and largely replicable techniques.