小额信贷—改善欠发达地区信贷质量的有效选择

Petty Credit:the Effective Choices for the Quality of Credit Assets in the Less-developed Areas

商业银行信贷资产质量低下 (其中经济欠发达地区尤甚 )是长期困扰我国金融发展的问题。源于孟加拉国的小额信贷对改善我国欠发达地区信贷资产质量、调整银行信贷结构具有积极的理论和实践指导作用。在我国目前经济形势下 ,对有效启动农村消费。

It is a long-term problem for our financial development that the quality of credit assets of the commercial bank is poor.The petty credit from Bangladesh can better the credit assets quality of the less-developed areas in China and it also has a positive theoretical and practical function to reguate the structure of the bank credit.Under the present economic situation of ours,it is of significance to promote the rural comsumption and economic growth.