联合国开发计划暑驻华代表处政策和宣传图书
UNDP China policy and advocacy papers
[内容简介] 这是联合国开发计划署驻华代表处政策和宣传文集的第一卷。文集集中讨论国内和国际关注的问题，每卷包括两篇中英文对照的论文。该书中的《缓解中国贫困的一体化战略》对中国政府未来的贫困工作提出了建议。《中国小额信贷政策》旨在分析和讨论中国小额信贷发展面临的政策问题，并在推进小额信贷发展的专门政策、法律和规章等方面提出建议。
相关信息
序
Foreword
缓解中国贫困的一体化战略
致谢
Ⅰ 摘要
Ⅱ 中国的贫困和减贫
A 收入型贫困的发展趋势
B 人类贫困——指标和趋势
C 贫困、改革和贸易自由化
D 减贫速度下降的原因
Ⅲ 中国的扶贫战略
A 扶贫覆盖的地理范围有限
B 使穷人受益的瞄准机制失效
C 扶贫计划与经济政策的割裂
D 与其他福利项目协调
Ⅳ 缓解贫困的宏观政策建议
A 经济增长和分配
B 刺激农村经济增长
C 区域发展政策：减少不均衡
D 改革累退的财税政策
E 促进就业和劳动力流动
Ⅴ 缓解贫困的微观措施
A 改进瞄准机制以使穷人受益
B 教育和医疗卫生*
C 将农村的基础设施直接指向穷人*
D 小额信贷
Ⅵ 缓解贫困与制度
A 参与和社会组织
B 监测、监督和协调
参考文献
An Integrated Approach to Reducing Poverty in China
Acknowledgements
Ⅰ Executive Summary
Ⅱ Poverty and poverty reduction in China
A Trends in income poverty
B Human poverty -indicators and trends
C Poverty，Reform and Trade Liberalization
D Reasons for the slowdown in poverty reduction
Ⅲ China’s poverty reduction strategy
A Limited geographic coverage
B Ineffective targeting of benefits to the poor
C The separation of poverty programs from economic policy
D Co-ordination with other welfare programs
Ⅳ Macro-policy recommendations for poverty reduction
A Economic growth and distribution
B Stimulating rural growth
C Regional development policy：reducing the imbalance
D Reforming regressive fiscal policies
E Promoting employment and labor mobility
Ⅴ Micro_level interventions
A Improved targeting of benefits to the poor
B Education and health for poverty reduction*
C Directing rural infrastructure to the poor*
D Micro-finance
Ⅵ Institutional issues and poverty reduction
A Participation and social organizations
B Monitoring，supervision and co-ordination
References
中国小额信贷政策
致谢
缩写词
提要
中国小额信贷的演变过程
中国小额信贷的主要特点
中国小额信贷的法律、规章和政策环境
中国小额信贷发展的前景
建议
1.对政府的建议
2.对中央银行的建议
3.对小额信贷机构的建议
4.对援助机构的建议
前言
中国小额信贷的演变过程
1.政府满足穷人信贷需求的方式
2.扶贫方式探索中的小额信贷试验
3.从起步阶段向扩张阶段过渡的尝试
中国小额信贷的主要特点
1.中国小额信贷概述
2.不同类型机构的产品和服务
3.不同类型机构的服务深度
4.不同类型机构的生存能力
◆还款业绩
◆贷款资产的回报率
◆操作可持续性和财务可持续性
中国小额信贷的法律、规章和政策环境
1.准入规则和政策
A.信用社
B.商业银行
C.金融公司
D.非政府组织
2.定价政策
3.融资政策
4.贴息贷款政策
5.撤销或合并管理不善的农村信用社政策
6.人力资源政策和社会保障制度
中国小额信贷发展的前景
1.市场需求
2.加入WTO后的可能影响
3.小额信贷发展的前景
农村信用社转变为小额信贷服务的主要提供者
非政府组织小额信贷机构实现持续发展
建议
1.对政府的建议
2.对中央银行的建议
3.对小额信贷机构的建议
4.对援助机构的建议
参考文献
Policies for Microfinance in China
Acknowledgements
ACRONYMS
Executive Summary
The evolution of microfinance in China
Principal characteristics of microfinance in China
The legal，regulatory and policy environment for microfinance in China
Future directions of microfinance development in China
Recommendations
1.Recommendations to the Government
2.Recommendations to the central bank
3.Recommendations to microfinance institutions
4.Recommendations to donors
Introduction
The evolution of microfinance in China
1.The government approach to addressing demand for credit from the poor
2.Experiments in microfinance for poverty alleviation
3.Ongoing transformation of microfinance development in China
Principal characteristics of microfinance in China
1.An overview of microfinance in China
2.Products and services by type of institution
3.Outreach of services by type of institution
4.Viability by type of institution：operational and financial sustainability
·Repayment performance
·Yield on portfolio
·Operational and financial sustainability
The legal，regulatory and policy environment for microfinance in China
1.Entry regulations and policies
A.Credit co-operative
B.Commercial banks
C.Finance company
D.NGOs
2.Pricing policies
3.Financing policies
4.Subsidised loans policy
5.Policies for closing or merging RCCs with poor management
6.Human resources policies and social safety system
Future Directions for Microfinance Development in China
1.Market demand
2.Possible effects of accession to the WTO
3.Possible future directions of microfinance development
RCCs as a principal provider of microfinance service
Developing NGO-operated microfinance institutions into sustainable microfinance institutions
Recommendations
1.Recommendations to the government
2.Recommendations to the central bank
3.Recommendations to microfinance institutions
4.Recommendations to donors
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