积极推进西藏农牧区小额信用贷款发展探析

On the Promotion of Micro-credit Loans in Agricultural and Pastoral Areas of Tibet

小额信用贷款制度是我国全面推进社会主义新农村建设中的一项重要支农惠农制度,其制度的设计可以从根本上解决低收入农户的发展难题。西藏属于区域性整体贫困地区,农牧区人口所占比例较大,从某种程度上讲,西藏的发展关键在农牧区。文章分析了当前西藏农牧区小额信用贷款运作现状,并从合理确定小额信用贷款补偿金额、小额信用贷款机构要不断加强自身建设、适度下放授信额度审批权等方面提出加强和改善的建议。

Micro-credit loan system is an important system of supporting farmers and rural areas to promote the the construction of new socialist countryside in China as the system can solve the problems of the low income farmer households.Tibet is an impoverished area and a large proportion of its population are farmers and herdmen,so in some extent,the development of agricultural and pastoral areas is the key of the development of Tibet.This article analyses the current situation of micro-credit loans in Tibet,and makes some rational proposals to strengthen and improve micro-credit loan system,for instance,to determine the compensation for micro-credit loans,to improve the relative organizations,to delegate the authority of credit examination and approval to lower levels.