完善农村资金互助社以满足农户信贷需求

How to Better Meet the Credit Needs of Farmers:Based on the Improvement of Rural Mutual Financial Cooperative

由于农户信贷需求的特殊性,农村正规金融机构不能满足农户的信贷需求。而内生于农村经济的小型合作金融机构——农村资金互助社在加大农户信贷供给上具有与生俱来的制度上的优势。但当前我国农村资金互助社的生存与发展环境并不乐观,应当加大政府的扶持力度,完善农村资金互助社的运作机制,充分发挥其在农村信贷中的优势。

As the special nature of farmers＇ demand for credit, rural formal financial institutions can not meet the needs. The cooperation of small financial institutions-rural mutual financial cooperative, born in the rural economy, has advantages of the system in increasing the supply of credit. However, at present the survival and development environment of rural mutual financial cooperative is not optimistic. Government support should be increased and the operation mechanism of rural mutual fi- nancial cooperative should be improved, then giving full play to its advantages in rural credit.