小额信用贷款与农村信用体系建设

Rural Micro Lending and the Credit System Enhancement

本文全面分析农户小额信贷发展对农村金融的塑造作用 ,基本观点如下。第一 ,小额信贷是农村信用关系的重新设计 ,建立了微观激励机制 ,形成了宏观经济拉动效应 ;第二 ,观念、管理与风险是当前小额信贷工作中应加以关注的主要问题 ;第三 ,在今后的工作中 ,应着重把握地方政府支持、融资结构调整、信贷支持重点和电子化建设等四个关键问题。

This paper studies the shaping effect on rural finance of rural households micro lending. First, micro lending is an innovation of credit relationship in rural areas, resulting in micro incentive effects and macro growth pushing force. Second, attitude of rural agents, management and risks are major issues in micro lending. Thirds, four key solutions, supports from local governments, adjustment of financial structure, credit focus and computerization, should be carefully handled.