我国农村小额信贷存在问题.docVIP

分类号：F830.43 U D C：D10621-402-(2011)4637-0 密 级：公 开 编 号：2007242023 浅析我国农村小额信贷存在的问题 论文作者姓名： 申请学位专业： 金融工程 申请学位类别： 经济学学士 周蓉（ 论文提交日期： 2011年05月28日 浅析我国农村小额信贷存在的问题 摘 要 当今中国经济持续稳定健康的可持续全面发展、和谐社会的构建，其中最为关键的无疑是三农问题。而农村金融的支持力度是影响农村经济稳定、农业发展平衡和农民收入增加的关键因素。农村小额贷款是我国农村经济发展的重要资金供给途径，随着农村小额贷款的进行，这项工程也面临着日益突出的问题，政府干预、贷款利率受限、缺少监管等开始出现并且成为阻碍农村小额贷款进一步发展的障碍。从国外农村小额信贷的成功经验来看,国家必须在法律制度上给予充分保障,在政策和财力方面给予支持和扶助,允许小额信贷利率在规定幅度范围内浮动,还要切实发挥政府对小额信贷的组织和引导作用,保证我国农村小额信贷的健康发展。从国内农村小额贷款问题总结的经验和国外农村信贷的相关政策得出规避风险、完善监督制度利率开放等相关措施，更好的促进农村小额贷款的发展，促进农村经济的飞速发展。 关键词：三农问题；小额贷款；农村经济；健康发展 Analysis of the problems of rural micro-credit Abstract Chinas economy continues to present a stable and healthy sustainable and comprehensive development, harmonious society, which is undoubtedly the most critical rural issues. Support for rural finance is the impact of economic stability in rural areas, agricultural development and farmers income balance the key factors. Chinas rural micro-loans are an important rural economic development means the supply of funds, with the rural micro-loans to the conduct of the project is also facing growing problem, government intervention, interest rate limited, unregulated and so began to appear and become Hinder the further development of rural micro-credit obstacles. From abroad, the success of rural micro-credit experience, the State must provide adequate protection in the legal system, policy and financial resources in the support and assistance to allow micro-credit interest rate to float within a specified range of magnitude, but also effective role of the government of Microfinance organizations and guiding role in ensuring the health of rural micro-credit development. Rural micro-loans from the domestic lessons learned and abroad come to rural credit policies to avoid risks and improve the supervision system, open interest and other related measures, to better promote the development of microfinance in rural areas, and prom