乡村振兴视角下小额信贷促进农村妇女增收的路径

Path Optimization of Micro-credit Promoting Rural Women’s Income from the Perspective of Rural Revitalization

农业生产女性化特点使农村女性逐渐成为农村经济和农业生产的主导力量,成为巩固脱贫成果、衔接乡村振兴的重要力量。基于此,通过对陕西省农村妇女小额信贷状况开展入户实地调查,发现农村妇女信贷认知水平较低、农村妇女专业经济组织的作用发挥不够,以及主要收入渠道单一,是影响妇女小额信贷可得性和资金使用效率的主要因素。为此,从提高农村妇女科技文化水平、发展农村妇女专业合作经济组织、开发农户多元化增收途径和优化信贷产品、提升农村妇女金融服务可获得性四方面提出小额信贷支持农村妇女增收的优化路径。

The feminization of agricultural production makes rural women gradually take the leading role in rural economy and agricultural production, and become an important force to consolidate poverty alleviation achievements and link up rural revitalization. Based on the field survey of rural women’s microfinance in Shaanxi Province, this paper finds that rural women’s low level of credit awareness, inadequate role of rural women’s professional economic organizations and single main income channels are the main factors that affect the efficiency of credit funds. Therefore, this paper puts forward some policy suggestions on promoting rural women’s income by microfinance from four aspects:improving rural women’s scientific and cultural level, developing rural women’s professional cooperative economic organizations, developing diversified income-increasing ways for farmers, optimizing credit products and improving rural women’s financial services availability.