农村新型金融组织建设深层障碍的新解读——以农村小额信贷对贫困农户“瞄而不准”为视角

The New Interpretation of the New Rural Financial Organization Construction Deep Disorder——Micro-credit to Rural Areas of Poor Peasants “Pointing and not” Perspective

农村新型金融组织建设,依赖于整个社会(区域)的金融生态和农村金融生态,而农村小额信贷及其瞄准机制,是考察这一生态的重要观测点。中外小额信贷的运行历程和现状表明,在瞄准偏差的利益博弈中,农村小额信贷要实现"真扶贫"而"扶真贫"的目标仍然要走很长的路。其中深藏着农村新型金融组织建设取得实质性成效的全部要害。通过不断的制度创新和技术创新以抵消至少缓和高成本的压力,构建利益表达—协调—解决的良性机制,才是"纠偏"的关键。

The new rural financial organization construction, depend on the whole society （ area ） of the financial ecology and rural financial ecology, while the rural micro-credit and aiming mechanism, is an important observation points of the ecology. Indicates that the operation course and the present situation of Chinese and foreign microfinance in the interests of the game, pointing error, micro-credit in rural areas to achieve ＂ true poverty ＂ and ＂ help the poor ＂ target is still a long way to go. One of the new rural finance organizations get all the key substantive results. Through continuous institutional innovation and technological innovation to offset at least mitigate the high cost pressure, the interests expression mechanism of constructing the benign coordination solution, is the ＂ correct ＂ key.