摘要
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...
出处
《临沂师范学院学报》
2009年第1期79-84,共6页
Journal of Linyi Teachers' College
基金
国家社科基金项目"城乡经济社会一体化体制对策研究"(08BGY049)
关键词
小额信贷
城乡一体化
农村金融
micro-credit
integration urban and rural areas
rural finance