建构和完善我国农村小额信贷的保障体系

Constructing and Improving Security System of Rural Microfinance in China

小额信贷是为城乡中低收入阶层服务的一种贷款模式。而把小额信贷应用到农村为低收入的农民提供小额、无担保、短期贷款的信贷服务,对农村经济发展和农民增收起到很大的作用。在现实生活中我国农村小额信贷市场存在资金来源、经营风险、法律方面的问题,严重影响小额信贷项目的存在和发展。为了解决这些问题,应该构建较为完善的保障体系,比如建立专门的小额信贷法律、建立完善的信用体系、建立有效的监管制度、建立有效的救济体系。

The microfinance is a pattern of loan in the urban and rural areas. Microfinance is applied to the low-income farmers in the countryside to provide them with the small, unsecured,short-term loan,which plays a significant role in rural development and increasing farmers＇ income. In China＇ s rural micmfinance market, the problems such as sources of funds, operational risks, legal issues, seriously affect the existence and development of microfinance. In order to solve these problems, a more perfect security system should be built. For example, special microfinance law, complete security system and effective welfare system should be established.