我国小额信贷发展滞后的原因分析及对策建议

The Reason Analysis and Relevant Suggestions on Domestic Microcredit's Slow Development

我国小额信贷的发展尚处于初级阶段。目前我国小额信贷发展滞后的主要原因有:小额信贷机构的发展存在诸多需要解决的问题;缺乏推动小额信贷长远发展的政策环境与制度框架;小额信贷的中介服务业缺位。针对我国小额信贷发展中存在的问题,推动小额信贷快速发展的主要对策建议有:构建支持小额信贷发展的政策环境和制度框架,政府适度监管;优化融资环境;大力发展和完善中小企业信用担保体系;引导金融机构加大对中小企业融资的支持力度;积极支持金融创新,缓解中小企业融资难题。

Domestic microcredit industry has been developing very slowly in recent years.The primary causes are： there existed some questions on the microcredit institutions trial development;lack of the relevant environment regarding policies and institutional framework supporting microcredit long-term development;microcredit＇s intermediary service industry development falling behind.In order to fasten domestic microcredit development,the local governments may take following measures： construct the ideal policy environment and institutional framework to support microcredit long-term development,adopt the appropriate supervision and regulation;improve the financing environment;set up and improve small and medium-sized enterprises credit guarantee systems strongly;push on local financial institutions development;support financial innovation,reduce small and medium-sized enterprises financing difficulties.