Scandinavian Working Papers in Economics

Working Papers,
Lund University, Department of Economics

No 2007:18: Structured Microfinance in China

Hans Byström ()
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Hans Byström: Department of Economics, Lund University, Postal: Department of Economics, School of Economics and Management, Lund University, Box 7082, S-220 07 Lund, Sweden

Abstract: In this paper we discuss the potential for commercial microfinance in China. Particular emphasis is put on securitization of microloans and on structured microfinance in a China context. Three particular factors that we believe could support a strong growth in Chinese structured microfinance are (i) the lack of currency risk, (ii) the scale advantages and (iii) the massive potential interest from traditional, domestic as well as international, financial firms. On the policy side, structured microfinance could be an important tool for fighting unemployment in China. It could also be used to circumvent corruption or government bureaucracy in the microlending process.

Keywords: commercial microfinance; structured finance; securitization; China

JEL-codes: G10; G21; O16; R51

21 pages, November 20, 2007

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