撒哈拉以南非洲國家小額信貸機構的發展及其對中國的啟示

The Development of Microfinance Institutions in Sub-Saharan African Countries and Its Implications for China

金融體系二元化現象嚴重的撒哈拉以南非洲國家，小企業和眾多貧困人口從正規金融機構獲取金融服務的機會非常有限，造成巨大的金融服務缺口，只能通過非正式金融加以解決。肇始於20世紀90年代的金融自由化改革，使得非洲國家的金融體制發生很大變化，金融服務體係效率有所提高，廣泛地建立了小額信袋貸機構。

The dual phenomenon of the financial system being serious in Sub-Saharan African coutries, small enterprises and most of the poor population have very limited access to financial services provided by formal financial institutions. As a result, this huge financial gap can only be resolved by the informal financial sector. Began in the 1990s, financial liberalization reform making the African country's financial system has undergone great changes, the efficiency of the financial system has be improved, and most of African countries widely established micrfinance institutions.