小额信贷发展中存在的问题及对策研究

Problems and Countermeasures:A Research con the Jot Credit Development

小额信贷经过十多年的实践和尝试,为我国农民,特别是贫困落后地区的农民提供了生产资金,改善了生产条件,对缩小收入差距,实现社会的稳定与公平、构建和谐社会,有着极其重要的意义,并对支持三农发展起到了积极的作用。但中国小额信贷的发展目前仍处于实验探索阶段,还面临着各种各样的风险和挑战。文章介绍了我国小额信贷的发展情况,同时介绍了我国和国外小额信贷的发展情况和成功经验,揭示小额信贷在普及推广过程中出现的问题,分析了其在我国发展过程中存在的问题,并试图找出合适的解决方法,给出政策建议。

In recent decades, the jot credit has been of significance in our country finance history in providing 900 million farmers the current fund for production, improving the working condition and reducing the income disparity, which makes our society stable, fair and harmonious. However, the jot credit in China is still in the experimental stage and faces various risks and challenges at present. In this article the authors have introduced the development of jot credit in China and the successful experience of foreign countries in promoting jot credit, analyzed the problems of jot agricultural loan that appeared in the popularization, and finally put forward some suggestions for government＇s policy - making.