广东省农村小微金融服务供给创新

The Supply Innovation of Rural SME Financial Service in Guangdong Province

小微企业和农户占据着我国社会结构的绝对比例,但是这个庞大的群体却拥有着极少的金融服务资源,现有成熟大型金融机构的模式也并不适合农村的具体情况,小微金融是解决农村金融服务需求的必由之路。透过农村小微金融服务需求的现状,分析小微金融对广东农村做出的贡献以及遇到的难点,提出相应的对策以及未来的发展方向。

Although small and medium-sized enterprises（SMEs） and rural citizens take the biggest proportion in China＇s social structure, they own only a very small part of financial service resources. Current funding modes of large financial organizations are mature, however, they are not suitable to rural areas and the SME finance service is the only way to satisfy the financial needs. Based on the present situation of SME finance service in rural areas of Guangdong province, this paper analyzes its contributions and difficulties, and proposes countermeasures and directions for future development.