我国渔业微型金融发展探析

Microfinance in fisheries in China

渔业微型金融能够部分地解决农村金融市场信息不对称和合约不完备的缺陷,是正规渔业金融的有效补充。我国渔业微型金融的服务对象是渔业小微企业,以小额信贷为主要方式。目前,我国渔业微型金融的市场化发展使其摆脱了最初的扶贫色彩,但是,其商业化的发展远未结束。我国渔业微型金融的改革和未来发展趋势主要包括两个方面:一是创新融资机制、拓宽农村金融机构的资金来源渠道,解决渔业小额信贷资金来源不足的问题;二是利率市场化改革、丰富渔业微型金融产品,实现微型金融机构经营模式的可持续发展。

Microfinance is a form of financial services for small businesses and low income people lacking access to banking and related services. It is an effective supplement for normal finance in fisheries. There have been successes in the development of microfinance in fisheries. But there is still a long way for it to achieve financial sustainable. The reform and the future development trend of fishery microfinance mainly includes two aspects： one is the innovation of financing mechanism to solve the problem of insufficient funding sources; Second, the interest rate marketization reform and the diversification of micro-financial products to realize the sustainable development of microfinance institutions.