山西农村小额信贷机制研究

Research on Shanxi Rural Micro-Credit Mechanism

小额信贷是一种有效的扶贫方式,在世界范围内主要有四种发展模式,我国引进小额信贷模式之后大致有三种组织方式。山西省小额信贷的发展主要由各级农村信用社、小额信贷试点公司和邮政储蓄等机构进行,为农村经济发展起到了一定的积极作用,但是其中还存在一些风险与问题,防范风险及解决这些问题是当前山西省小额信贷发展中的首要问题。

Micro-credit is an effective way of helping the poor. On this there are four major development modes in the world, and there are three major modes of organization in China for micro-credit since the introduction of it into the country. In Shanxi Province, the development of micro-credit is mainly carried out by such establishments as the rural credit cooperatives at all levels, the pilot credit companies for the micro-finance and postal savings etc. These have played certain positive roles in the development of the rural economy. But some risks and problems do exis. To guard against risks and to solve these problems have become the top issue for the development of micro-credit in Shanxi Province.