The regulatory issues in the operation of the micro-finance sector in Haiti

海地微型金融部門的運作與管制議題

李伯倫(Lesly Appolon)

指導教授 ： 黎正中 ； 陳信宏

國立清華大學/科技管理學院/科技管理研究所/碩士(2008年)

https://doi.org/10.6843/NTHU.2008.00204

摘要

Microfinance and micro-credit practices have become a popular means of local development. This research provides an overview of micro finance Latin America and the Caribbean with specific emphasis on Haiti. The thesis contained number of issues related to financial regulation and supervision that could potentially pose obstacles to financial institutions involved in microfinance. This research explores the conditions under which micro credit is an appropriate rural development intervention. Although there are a great number of financial regulations which in one way or another affect the institutions which lend to micro entrepreneurs, the study focuses on those regulations which, while appropriate for most other financial institutions, may have a negative impact on microfinance institutions. These regulations impose restrictions that are particularly costly to institutions involved in microfinance, either by raising the cost of financial service delivery or by not providing the intended reduction in risk to the institution. The research identifies a number of areas in which such biases against microfinance exist or could potentially exist, including, capital requirements, loan loss provisioning, usury laws, documentation, and restrictions on the operations of financial entities. The areas of potential and actual bias are summarized at the end of the paper where some recommendations are also put forward on how to address them.

關鍵字

微型兂金融 ； 管理改革 ； 議題 ； 金融機構

並列摘要

無資料

並列關鍵字

microfinance ； regulatory reform ； issues ； financial institution

參考文獻

[7] Armendariz de Aghion, B. and Morduch, J. 2005. The Economics of Microfinance Cambridge, MA: The MIT Press

[10] Gonzalez A. and Rosenberg, R. 2006. The State of Microfinance – Outreach, Profitability and Poverty: Findings from a database of 2600 Microfinance Institutions. Paper presented at the conference Access to Finance: Building Inclusive Financial Systems. Washington, D.C.: The World Bank Group and the Brookings Institution.

[18] Beuningen, Coen van (2006) 'Outline for Impact Assessment in the Credit Line', mimeo, Consultative Group to Assist the Poorest (CGAP), Washington DC.

[1] Thomas Fues: Global Governance Beyond the G8: Reform Prospects for the Summit Architecture, The journal of International Politics and Society; Issue 2/2007

[2] Patrick Meagher, Microfinance Regulation in Developing Countries: A Comparative Review of Current Practice, October 2002, IRIS Center, University of Maryland