我国农村信用社小额信贷业务发展现状研究

The Research of the Development of Rural Credit Cooperatives Micro-credit

20世纪90年代,我国引入小额信贷。其主要的服务对象为广大工商个体户、小作坊、小业主,贷款的金额一般在1 000元以上10万元以下,其突出的特点就是债务人仅凭自己的信誉就能取得贷款。本文结合我国农村信用社小额贷款发展现状,采用科学严谨的态度,对小额信贷业务的发展状况进行分析。

1990s,our country introduces the Micro-credit.Its Service object mainly self-employed,small mill,small business owners,The amount of the loan is more than 1000 yuan to 100,000 yuan,Its outstanding feature is that the debtor will be able to obtain loans from their own credibility.At present,our country rural credit cooperatives Micro-credit business development rate is rapid,the total loan amount.Played a significant role in promoting local economic development,especially the development of the agricultural economy.In this paper,the development status of the micro-loans,to analyze the development of the microfinance business.