内蒙古地区小额信贷的发展现状及调整策略.docVIP

摘 要 小额贷款(Mierofinance)又称微型融资，可定义为一种特殊的金融服务亦或金融机构，主要为那些被排斥于正规金融体系之外的客户提供额度较小的金融服务。小额贷款是近几年世界上许多国家解决小额贷款需求和扶贫开发所采用的一种普遍的做法。小额信贷始于20世纪60-70年代，之后便在不断摸索，实践中发展，像孟加拉乡村银行、印尼BRI等小额信贷机构都取得了令人瞩目的成绩。在国内，小额信贷起步稍晚，于20世纪90年代开始实践。实施以来，小额信贷作为发展农村经济的一种行之有效的融资方式，在解决低收入人群贷款难、增收缓慢等方面发挥了其他贷款方式无法替代的作用，对新农村的建设贡献了很大的力量，但在发展的同时也产生了诸多的问题。 内蒙古自治区是个地域辽阔的农牧业大区，相比于南方发达省市，我区国家贫困县和自治区贫困县占比都很高，小额信贷在我区实施以来，同样取得了斐然的成绩，但仍处在初级阶段，存在着诸多不足。所以充分了解我区小额信贷的发展现状，认清自己的不足，探寻小额信贷的发展策略具有重要的意义。 本文着重勾画出了内蒙古地区小额信贷的发展现状及影响小额信贷发展的诸多因素，并针对内蒙古农村小额信贷实施过程中所遇到的问题，在宏观方面和微观方面分别分别提出了一些调整策略。 关键词:小额信贷；农村经济；信贷模式；调整策略 Abstract Small loans, also knows as micro-finance,can be defined as a special kind of financial services or financial institutions ,mainly those who have excluded from the formal financial system than the smaller amount of customers in financial services .small loans in recent years many countries in the world to solve the needs of micro-credit and poverty reduction adopted by the development of a common and effective approach . Microcredit began in the 1960s and 1970s, and then continuously explore, practice development, microfinance institutions such as the Grameen Bank of Bangladesh, Indonesia, BRI has made remarkable achievements. In China, the late start of microfinance, the practice began in the 1990s. Since the implementation of micro-credit as the development of rural economy in an effective way of financing, to play in addressing low-income people loans, slow income side can not be replaced by other loans, contributed the construction of new rural a great power, but in the development of the many problems. Inner Mongolia is a vast territory of agriculture and animal husbandry region, compared to more developed provinces in the South, have a high proportion of our regions national poverty counties and autonomous regions and poverty-stricken counties, micro-credit in our region since the implementation of the same striking results , but is still in its early stages, there are many inadequacies. Fully understand