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随着金融消费者的概念在金融领域内的兴起与发展,我国正面临从传统金融法向金融服务法的变革,将保护金融消费者利益作为我国金融改革和制度设计的指导原则之一,微型金融以穷人和小企业为目标客户,旨在满足广消费者的金融需求,促进穷人和低收入人群获得基本的金融服务,提高其收入水平和生活水平,在农村金融体系中发挥重要作用。本文借鉴国际微型金融的发展经验的基础上,对我国现存的微型金融机构村镇银行、小额贷款公司进的优缺点进行分析,并提出一些建议,以期我国金融改革特别是农村金融改革的进一步完善。
With the rise and development of the concept of financial consumers in the financial field, our country is facing the change from the traditional financial law to the financial service law. Taking the protection of the interests of financial consumers as one of the guiding principles for the financial reform and system design in our country, Financial targeting the poor and small businesses aims to meet the financial needs of a wide range of consumers, promote access to basic financial services for the poor and low-income groups, and improve their income and standard of living, playing an important role in the rural financial system. Based on the experience of the development of international microfinance, this paper analyzes the advantages and disadvantages of the existing micro-financial institutions, rural banks and small loan companies, and puts forward some suggestions to improve the financial reform in our country, especially rural financial reform. .