农村信用社小额信贷发展对策研究——以云南省为例

Country side credit cooperative micro-credit development countermeasure research—take Yunan province as example

云南省农村信用社小额信贷经过十几年的实践发展,在实现农民增收、改善农村经济现状方面作出了重要贡献。但是由于云南省农村金融体制的制约,导致农信社和小额信贷的融合出现诸多问题,严重影响到小额信贷具体实施的效果,从而对农信社小额信贷的可持续发展构成威胁。因此,本文基于农信社、小额信贷机制、农户三个角度来全面探讨影响其发展的不利因素,试图寻求促使农信社小额信贷合理健康发展的有效对策。

After ten years of practice and develop- ment, Yunnan Rural Credit Cooperative microcredit has made a positive contribution in the realization of in- creasing farmers＂ income and improvement of rural eco- nomic situation. However, the constraints of the fi- nancial system lead to many problems for the integra- tion of Rural Credit Cooperatives and microcredit, anc thus the sustainable development of Rural Credit Coop- eratives microcredit is threatened. Therefore, this paper fully explores the negative factors affecting the development, trying to promote the healthy devel- opment of rural credit cooperatives microcredit