农村小额信贷存在问题及对策

An Analysis on Problems in Micro Credit in Rural Areas and Countermeasure

近年来,农村小额信贷取得了一定发展,作为一种创新型融资模式,为农村低收入人群提供了便捷、快速、有效的贷款方式。同时,农村小额信贷也拓宽了农村融资的渠道,进一步完善了金融体系。当前农村小额信贷仍然存在供应资金不足,信贷利率低等问题,因此,深入探讨这些问题对于提升农村小额信贷效果具有非常寻常的意义。

In recent years,some development has been made in micro-credit in rural areas,as an innovative financing mode,which providesaconvenient,fastand effectivewayforthelow-incomepeoplein ruralareas.Atthe same time,the rural micro credit has also extended the financing channel in rural areas,further improved financial system.At present,there are still some problems existing in financingin ruralareas,such astheinsufficientsupplyoffunds,low creditrateand soon,sofurther investigation into these problems isofgreatsignificancetoimproveoftheeffectofmicrocreditin ruralareas.