我国农村小额信贷的发展现状、问题及对策 .docVIP

PAGE 我国农村小额信贷的发展现状、问题及对策 ——以汕头市农村为例 摘要： 1994年，我国由中科院牵头、由中国人民银行试点开始了我国的小额贷款，接着农业银行等金融机构便开始推行农户小额信贷。农村小额信贷的兴起为我国打赢脱贫攻坚战、帮助广大农村地区贫困人口脱贫提供了强有力的支持。 本文首先分析了农村小额信贷的研究背景和意义，再阐述了我国农村小额信贷的相关概念及历史发展。主要分析了以汕头市为例的农村小额信贷的现状以及其存在的问题，并对相关问题进行分析并提出自己的改善策略和意见以支持汕头市农村小额信贷的可持续发展。 鉴于汕头市农村小额信贷存在的各类问题，本人在收集相关文献和数据并进行分析的基础上，提出了几点建议：（1）应降低农村小额信贷存在的各类风险，保障小额信贷的可持续发展。（2）推动产品创新，提高产品的多样化。（3）适当提高贷款期限或根据不同需求设置多个贷款期限。（4）健全相关的农村小额信贷推广机制，提高参与各方的积极性。（5）解决并完善农村小额信贷存在的相关法律问题。 关键词：农村小额信贷，农村金融，可持续发展 Development Status, Problems and Countermeasures of Rural Microfinance in China——Taking Shantou countryside as an Example Abstract：In 1994, Chinas micro-loans were led by the Chinese Academy of Sciences and piloted by the Peoples Bank of China, and then financial institutions such as the Agricultural Bank of China began to implement micro-credit for farmers. The rise of rural microfinance has provided strong support for China to win the battle against poverty and help the poor in the vast rural areas to escape poverty. This article first analyzes the research background and significance of rural microfinance, and then elaborates the related concepts and historical development of rural microfinance in China. This paper mainly analyzes the current situation of rural microfinance in Shantou as an example and its existing problems, analyzes related issues and proposes its own improvement strategies and opinions to support the sustainable development of rural microfinance in Shantou. In view of the various problems of rural microfinance in Shantou City, based on the collection of relevant literature and data and analysis, I put forward several suggestions: (1) Various risks in rural microfinance should be reduced to ensure the sustainable development of microfinance. (2) Promote product innovation and increase product diversification. (3) Properly increase or set multiple loan terms according to different needs. (4) Improve relevant rural microfinance promotion mechanisms and increase the enthusiasm of all pa