西部地区推行妇女小额担保贷款的风险因素分析——以甘肃省为例

Risk Analysis of the Implementation of Micro-lending for Women in Western Region of China

西部地区推行妇女小额担保贷款的风险较大,究其原因,主要是其蕴藏的风险因素较为独特。主要结合西部地区妇女小额担保贷款在资金投向方面的特点,着重分析西部地区农村妇女综合素质较低,农业发展落后,担保力量相对薄弱对妇女小额担保贷款风险的影响,并在此基础上提出相应的对策建议,以期推动妇女小额担保贷款工作的顺利进行,发挥其在推动农村产业结构调整和促进妇女就业方面的积极作用。

With the unique features of risk factors in western region of China,it takes great risk to implement micro-lending for women.Considering its investment features,the paper mainly first analyze influence of the backward agricultural development,women＇s low quality,and the limited guarantee capacity in this region,then puts forward the corresponding measures,so that micro-lending for women would run smoothly and play their positive roles in promoting the adjustment of rural industrial structure and women＇s employment.