我国农村小额信贷公司的可持续发展研究

Research on the Sustainable Development of Rural Microcredit Company in China

目前,我国农村小额贷款存在资金来源单一;小额信贷融入市场经济的程度不深;监管不到位,法制不健全等问题。今后,应寻求多元融资渠道,加强政府的扶持,加强风险管理控制,建立重大农业风险信贷补偿机制等,以促进农村小额信贷公司的可持续发展。

Rural microcredit is a kind of effective poverty alleviation tools, which can help poor peasant households develop rproduction, get rid of poverty, meanwhile, it is also a kind of new type of rural financial organization form, which can ease tensions in rural financial supply and demand, promoting the rural development and the rural financial system reform. However, due to the deep contradition and problems both in theory and practice, the operation of current rural microcred it is not satisfactory. This paper first analyzes the present situation of microfinance, secondly analyzes microfinance company＇ s problems, finally analyzed scientifically the microfinance sustainable development and the solving methods.