辽宁民族地区农村小额直贷业务存在的八大问题

On the Eight Problems Existing in the Small Direct Loan Business for the Countryside in the Minority Areas of Liaoning Province

小额直贷是小额信贷的一种形式,它在辽宁民族地区农村扶贫帮困工作中已经发挥起积极的作用。但由于各种因素的制约,它的正常发展仍受到一定的阻碍,形成这种阻碍的因素主要有大多数贷款项目的贷款额偏低、扶植范围仍然明显偏窄、还贷期限较短、贷款利率明显偏低、信贷管理工作与小额直贷的工作要求不相适应、放贷项目选择与扶贫目标之间常出现偏差等等。

Small direct loan is one form of small loan, which plays an active role in poverty and difficulty alleviation in minority areas of Liaoning province. However, its normal development is still obstructed for various reasons. The causes for the obstruction are mainly low loan interest, narrow poverty-alleviating areas, short term of repaying the loans, small amount of the loans, the inadaptability between the loan management and the requirement for small direct loan, and the differences between the selection of items for loans and the aim of poverty alleviation, etc.