小额贷款业务发展中的问题及转轨村镇银行的对策选择

Problems of Rural Microfinance Operation and Strategy Exploration for Transition to Rural Bank

小额贷款业务是对传统金融制度的一次创新,目前还存在着产品属性制约强、市场发展瓶颈大、贷款公司展基础薄、运行障碍多、帮扶效率低等诸多问题。我国目前试行小额贷款公司改制设立村镇银行的办法,需要借鉴小额贷款业务在国外发展的成功经验,结合我国农村金融发展实际,在小额贷款业务走向农村银行过程中采取放宽小额贷款公司股东数量限制、出台信贷业务准入规章制度以及尽快取消无抵押贷款的限制等对策措施,建立起合理、高效、服务农村经济发展的小额贷款制度。

There are many problems for microfinance developing, which is a financial innovation, including the great restriction of product characteristic, the bottleneck of market development, weak foundation of mierofinanee companies, many set backs and low efficiency. At present rural bank has been put into practice on a trial basis in China. The successful experience of foreign countries should be learned and the development reality considered. The limit on the number of mierofinanee companies＇ shareholders and unsecured loan should be removed and the credit regulations should be set to establish reasonable, efficient microfinanee system contributing to the development of rural economy.