普惠金融视角下农户小额信贷模式存在的问题及其改进建议

Problems and Suggestions for Improvement of Farmers’ Microfinance Model from the Perspective of Inclusive Finance

普惠金融是全方位为社会各阶层和群体,尤其为农民和低收入者等弱势群体提供有效的金融服务。小额信贷作为实践普惠金融的有效途径之一,在满足农户金融服务需求上发挥至关重要的作用,但在实际运行中仍存在农户信贷产品供给不足、信贷准入门槛高等问题。因此,在普惠金融背景下农户小额信贷模式构建应遵循普惠、低风险、低成本和可推广等原则,通过设立农业专项基金,建立公共服务平台,开发互联网+抵押物等措施对现有农户小额信贷模式进行改进。

Inclusive Finance is an all-round way to provide effective financial services for all sectors of society and groups, especially for vulnerable groups such as farmers and low-income people.As one of the effective ways to practice inclusive finance, microfinance plays a vital role in meeting the financial needs of farmers.However,in actual operation,there are still some problems such as insufficient supply of credit loan products for farmers,high entry threshold for credit loans and so on.Therefore,in the context of inclusive finance,the construction of microfinance model of farmers should follow the principles of universal philanthropy,low risk,low cost and easy promotion.The present farmers' microfinance model has been improved by establishing agricultural special funds,building public service platforms,developing internet+ collateral and taking some other measures.