从凉山农户小额信贷看国家对西部民族地区农村的金融支持

On the State Financial Policy to Western Regions of Minor Nationalities: A Case Study of Micro Lending in Liangshan, Sichuan Province

小额信贷作为一项重要的扶贫到户措施 ,被迅速推广到全国大多数贫困地区 ,并因其精确瞄准贫困个人的特点和较高的贷款回收率 ,被普遍认为是最成功的扶贫模式。本文根据对四川省凉山彝族自治州实行农户小额信贷的个案研究 ,分析了小额信贷的宏观、微观和政治意义 ,在指出目前尚存的若干问题基础上 ,提出对于西部民族地区的金融支持应主要应采取合作金融的形式 ,即以农村信用社为主体 ,农户小额信用贷款为手段 ,拉动这些地区的经济增长。

As an important poverty reduction measure, micro lending has expanded to most underdeveloped rural regions in China. Since it targets on poor individuals with a relatively high repayment ratio, micro lending is commonly accepted as a successful model for poverty assistance. Through the case study on Liangshan, this paper shows that micro lending by RCCs is a pushing force for economic growth in regions of minor nationalities. The macro, micro and political effects of micro lending are also shown in the paper.