中国农村市场中的小额信贷业务发展思考

中国农村贫困问题长期以来一直受到政府的关注,发展农村经济、增加农民收入一个重要方面是充分发挥金融的支持作用。农村小额信用贷款的出现,一定程度上解决了农民贷款难和信用社难贷款这一两难问题。它的推广,有力地促进了农民收入的增加,极大增强了贫困农户的自我发展能力,已取得了较大的发展。但是也应当看到目前我国农村小额信贷业务发展还存在很多问题。如何使小额信贷更好地服务于我国的农村金融建设和社会主义新农村建设,已经成为被广大金融从业人员关心的问题。本文对制约我国农村市场中小额信贷发展的因素进行分析,结合我国农村经济的实际情况,提出了具体建议。

For a long time,rural poverty in China has been the concern of the Government.An important aspect of rural economy development and farmers income increasing is making full use of financial support.The emergence of micro-credit in rural areas,to some extent,solves the dilemma,farmers ＇difficulty in getting loans and credit loans.Its promotion,vigorously promoted the increase of farmers＇ income and greatly enhanced self-development ability of poor farmers,so great progress has been made.However,we should also see that at present there are many problems in the development of rural micro-credit business.How to make micro-credit better serve to China＇s rural finance development and construction of new socialist countryside,has been the concern of the general financial professionals.This article analyzes the elements of the restriction of,Micro-Credit Business Development of China＇s rural combining with the actual situation of China＇s rural economy,the makes specific recommendations.