山西精准扶贫中小额信贷问题的研究

Research on Microfinance in Poverty Alleviation in Shanxi

一直以来,我国农村市场金融供给不足,资金短缺是农业生产中面临的主要困难。当前大力推行的扶贫小额信贷政策是金融扶贫的重要举措,有效地解决了单个农户尤其是贫困户资金难的问题,充分体现了精准扶贫的要义。山西扶贫小额信贷工作发展起步早,但发展较为缓慢。目前山西小额信贷扶贫主要存在资金使用不规范、还贷风险比较大、部分地区金融支持不足等问题,建议从加强农村信用体系建设、完善信贷风险防范机制、促进贫困户合作互助、创新金融惠农产品等方面推进扶贫小额信贷工作良性发展。

For a long time, The shortage of funds is a major difficulty in agricultural production o At present, it is an important measure of financial poverty alleviation to carry out the policy of microfinance, It effectively solved the fi- nancial difficulties of individual farmers, especially poor households, and provided a guarantee for the development of agricultural production, fully reflecting the essence of targeted poverty alleviation.It started early but developed slowly in shanxi.At present, the poverty alleviation of small-sum credit in shanxi mainly has problems such as non- standard use of funds, large loan repayment risk and insufficient financial support in some regions, It is suggested that strengthening the rural credit system, improving credit risk prevention mechanism, promoting cooperation among the households, and innovating financial products for agriculture.