我国农村小额信贷公司的可持续发展研究

Research on the Sustainable Development of the Rural Small-Amount Credit Loan Company in China

农村小额信贷既是一种有效的扶贫工具,可以帮助贫困农户发展生产,摆脱贫困,同时,也是一种新型的农村金融组织形式,能够缓解农村金融供求紧张状况,促进"三农"发展和农村金融体制改革。但是,由于目前农村小额信贷在理论上、实践上仍然有诸多深层次的矛盾和问题,尚未得到有效解决,其运作不尽如人意。本文首先分析了小额信贷的现状,其次分析了小额信贷公司的存在问题,最后科学地分析了小额信贷公司可持续发展及解决方法。

Rural microcredit is a kind of effective poverty alleviation tools, which can help poor peasant households develop rproduction, get rid of poverty, meanwhile, it is also a kind of new type of rural financial organization form, which can ease tensions in rural financial supply and demand, promoting the rural development and the rural financial system reform. However, due to the deep contradition and problems both in theory and practice, the operation of current rural microcred it is not satisfactory. This paper first analyzes the present situation of microfinance, secondly analyzes microfinance company＇ s problems, finally analyzed scientifically the microfinance sustainable development and the solving methods.