农村信用社小额信贷的创新发展及可持续性应对:以海南为例

On the Innovation and Development Sustainability of the Rural Cooperatives' Microfinance Business:Taking Hainan Province as an Example

本文介绍了海南省农村信用社小额信贷业务的创新发展状况,并对其成功经验进行了总结。通过数据分析,讨论了海南省农村信用社小额信贷业务发展中在业务绩效评价、贷款结构合理性、风险管控以及人才队伍建设等方面存在的一些问题,并就农村信用社小额信贷的可持续发展提出了一些措施。

In this paper,the innovation and development of Hainan rural credit cooperatives' microfinance business is introduced,as well as the successful experiences are summarized.Through data analysis,some challenges occurred in the development of Hainan rural credit cooperatives' microfinance business such as performance evaluation,the rationality of loan structure,risk control and human resource management are investigated.Some suggestions are provided to cope with the challenges of development sustainability.