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《创业家》:目前中国的公益性制度主义小额信贷的规模和市场如何?杜晓山:现在有100多家,去年贷款余额30多个亿,有效客户20多万,其中大部分是政府扶贫办之类的组织。有20多家已经能够自负盈亏。公益性制度主义就是以公益为目的,并且能自己养活自己。按照国际标准,欠发达国家每人每天可支配收入低于1.25美元就算贫困人口,那么中国至少有1.5亿到2亿,中等收入国家是每人每天低于2美元,那么中国有4亿贫困人口。市场不是问题,问题是有没有那么大能力和资金支持这些低收入群体获贷。
“Entrepreneurship”: At present, China’s public welfare system of micro-credit scale and market? Du Xiaoshan: There are now more than 100, the loan balance last year more than 30 billion, more than 200 million valid customers, most of which are government Poverty Alleviation Office Like the organization. More than 20 have been able to be self-financing. The public welfare systemism is for the purpose of public welfare, and can support themselves. According to international standards, the disposable income per capita per day for less-developed countries is less than 1.25 U.S. dollars. Even for the poor, there are at least 150-200 million in China and less than 2 U.S. dollars in middle-income countries per day. So there are 400 million poor people in China . The market is not a problem, the question is whether there is so much ability and financial support for these low-income groups to obtain loans.