浅析肃南县开展妇女小额信贷的优势与困境

The Pros and Cons Analysis of Microfinance on Women Groups:a Sunan's Practice Study

自中国实行小额信贷后不久,由于女性在借贷中的特有优势,使中国开始逐步推行妇女小额信贷。各地在初步尝试开展妇女小额信贷的过程中,会面临不同的问题。肃南县已形成良好的小额信贷基础,又具有重视女性的特有文化传统,再加上人际关系作用在借贷中对交易成本的节省,使肃南县在开展妇女小额信贷上具有一定的优势。但肃南县本身经济发展落后,金融生态环境较差以及金融知识的普及程度不高等因素也对该项信贷业务的发展形成阻碍。总体而言,肃南县开展妇女小额信贷的优势大于劣势。

Recent activities to microfinance in our nation,superadded advantages involved within women groups,provided new ways regarding the development of micro-credit.Different difficulties will be faced by the very first trials of micro-credit process in different places.Such advantages as the well defined fundamentals of microfinance,tradition of respect for women groups,as well as the cost benefit from human relationships,made Sunan an ideal region to develop microfinance activities.Nevertheless,the sluggish development of economic process,financial ecology,in addition with shortage of popularizing rate,engendered embarrass for micro-credit development in Sunan.To sum up,the benefit of carrying out microfinance activities should be overwhelmed compared with weakness analysis within this study.