我国发展“小额贷款”的政策出路探析

A Probe into Policy Outlet of the Development of Micro-Credit in China

30年来,亚洲国家在利用"小额贷款"扶助民间经济、消除乡村贫困过程中创造了许多令世人瞩目的佳绩,形成了一系列具有普遍价值的经验。同一时期,我国虽然为解决类似问题也进行了大量探索,但是比较而言,实际成效尚有差距。这就需要我们研究和借鉴他人的经验,回顾和反思自己的欠缺。通过借鉴与反思,走出一条适合我们自己发展民间经济、消除乡村贫困的道路。

For 30 years, Asian countries have created a lot of eye- catching pertormance and formed a series of universal values experience in the use of micro-credit to assist folk economy and eliminate the rural poverty. During the same period, our country has also carried on the massive explorations for solving a similar problem, but comparatively speaking, there is the gap between the actual results. This requires us to study and learn from the experience of others and review and reconsider own deficiencies. Through reference and reflection, we will step onto a road to developing the folk economy and eliminating the rural poverty.