完善广东省农户小额信贷管理机制的对策建议

Guangdong Farmers Improvement in Management Mechanism in Micro-credit Suggestions

农村小额信贷的推出在一定程度上缓解了农民贷款难问题,但由于农民信用意识较差,且农户与信用社之间存在严重的信息不对称,导致贷款的风险与收益严重不对称.本文探讨广东省农户的小额信贷发展情况,希望可以找到一条适合广东省经济结构和贫困农户特点的小额信贷发展模式,为使其成为解决农村经济困境和三农问题的战略支点起到积极的推动作用.

In recent years,The introduction of micro-credit in rural areas to some extent alleviate the problems of farmers in getting loans.However,farmers are less aware of the credit,and between farmers and the credit problem of information asymmetry,resulting in a serious credit risk and return asymmetry.This article discusses the farmers in Guangdong Province the development of micro-credit,hoping to find a suitable economic structure of Guangdong Province and characteristics of poor households microfinance development mode,so that the solution to the plight of the rural economy and the strategic fulcrum of Agriculture issues a positive impetus.