张岩农村小额信贷.docVIP

内容摘要 自1999年中国人民银行在农村地区推进小额信用贷款之后，小额贷款迅速进入中国金融市场，并且在随后的几年间快速发展，为解决我国“三农”问题提供了积极的金融支持力量，同时多种小额贷款机构的兴起为缓解农村金融供给不足、支持农村经济发展、提供农民就业机会、改善贫困现状等方面发挥了巨大作用。农村小额贷款的快速发展使我们看到了农村金融市场的巨大潜力，但是发展过快，参与机构较为复杂，使得当前的农村小额信贷市场存在一些制约其发展的因素。当前，我国现阶段农村小额贷款存在的问题，主要体现在经营目标不适应商业性经营、农村小额信贷的融资渠道狭窄、经营管理水平较低、自我覆盖风险的能力较弱以及外部配套系统滞后等方面。政府应从政策上重视农村小额信用贷款，积极创造良好的信贷环境，降低坏账率，同时注重信贷项目的创新，制定适合市场和客户需求的金融产品，从而切实解决农村小额贷款存在的问题，推动农村经济的发展。 关键词： 农村小额贷款；小额贷款机构; 农村金融 Abstract Since the Peoples Bank of China promoted micro-credit loans in rural areas in 1999, small loans quickly enter Chinese financial markets, and in the next few years, its rapid development had provided us with a positive financial support force to solve the three rural issues. At the same time, the emergence of a variety of microfinance institutions played a significant role of alleviating the insufficient supply of rural financial support, supporting rural economic development, offering employment opportunities to farmers and improving the conditions of the poor. The rapid development of micro-loans in rural areas show us the enormous potential of the rural financial market, however, there are still some factors restricting the development of the rural micro-credit market because of its quick development and the completed institutions involved.　Currently, the problems, which are still existed in rural microcredit in China, are that business objectives are not suited to the commercial business and rural micro-credit financing channel is too narrow. Besides, other problems include the lower management level, the lack of the ability of avoiding risks and the lag of external auxiliary systems and so on. Therefore, from the angle of policy, our government should emphasize on micro-credit in rural areas, reduce the rate of bad debts and actively create a favorable credit environment. Meanwhile we also should focus on the innovation of credit programs and develop financial products that satisfy both market and customers’ needs in order to effectively