城乡一体化进程中农村小额信贷体系创新——基于临沂市的分析

On the Innovation of Rural Micro-credit System in the Process of Integration of Urban and Rural Areas

商业化取向的金融机构改革导致农村金融服务供给不足,严重影响了城乡一体化进程。国际小额信贷的实践证明,农村金融体系的创新和完善应该落实在小额信贷机构身上。但是,通过对临沂小额信贷案例研究发现,我国小额信贷实践对扶贫和促进经济发展的作用是有限的,而且机构本身也不具备可持续性。建议建立农户创业培训体系,减少财政贴息和建立担保基金,以及放松小额信贷利率管制,以此促进小额信贷的发展。

Market-oriented reform of financial institutions has led to insufficient supply of rural financial services,which seri-ously has affected the urban and rural integration process.The practice of international micro-credit has proved that micro-credit institutions can undertake the task of rural financial system innovation.However,through the Linyi case studies we found that mi-cro-credit practice of China s poverty alleviation and promoting economic development is limited,and the institutions themselves do n...