中国农村小额信贷供求状况分析

Analysis of China countryside small amount credit loaning supply situation

小额信贷自20世纪90年代以来在世界各地取得了巨大的发展和举世瞩目的成就,作为一种新型的金融方式,已经引起了全世界的广泛关注,正在逐渐得到重视和推广。小额信贷机构能够有效地为农村贫困人口提供小额贷款与其他金融产品,解决农村金融的困境。但截至目前,小额信贷的发展状况仍然难以满足社会经济发展的要求。本文分析我国农村小额信贷的供求矛盾,探讨其发展缓慢的深层次原因,并提出相对应的政策建议。

The micro-credit from around the worldsince the 90s has made tremendous development and remarkable achievements,as a new type of Jin Rong way,has attracted the worldwide attention,is gradually Dedaozhongshi He Promotion.Microfinance institutions to effectively serve the rural poor,providing small loans and other financial products to address the plight of rural finance.But so far,the development of micro-credit is still difficult to meet the social and economic development.This paper analyzes the demand and supply of rural microfinance contradiction of their deep-seated reasons for the slow development and put forward corresponding policy recommendations.