农村信用社农户小额贷款的问题及对策.docxVIP

PAGE 2 农村信用社农户小额贷款的问题及对策 　　Problems and Countermeasures of Rural Credit Cooperatives Farmers Micro-loans 摘 要 　　随着我国经济的快速发展，引起了许多社会问题，例如巨大的经济差距和贫富差距。因此，为了促进经济发展，许多农村地区大力支持向农民提供小额贷款。农村信用社的小额贷款不仅可以有效减轻我国农村经济发展的压力，而且可以促进农业生产的发展。同时，作为我国农村信用管理制度的一项重要，农村信用社的实力也在不断增强，开展小额信贷活动还可以减轻农民获得贷款困难的压力，又可以改善地方农业经济产业结构、增强农村产业经济发展、农业增收和农民收入，一直都得到了社会各界关注。另外，它还将为社会带来巨大的收益。小额信贷已经在我国开始了实践且影响很大，但仍有许多问题需要解决。 　　本文以农户小额贷款的含义、特点和理论综述为起点，由考察农村信用社在农户小额信贷领域的现状展开。指出农村信用社的融资渠道狭窄，服务质量差，创新产品的机会薄弱，业务存在高风险等问题，为此分别提出增加农村信用社的资金来源，提高农村信用社的服务质量，加强风险防范等对策，农信社农户小额信贷业务正在为现代城乡发展做出贡献，促进农村家庭小额信贷信贷合作社的可持续发展，并更有效地利用农村小额信贷促进整个区域价值链的发展。 关键词：农村信用社;农户小额贷款;问题；对策 Problems and Countermeasures of Rural Credit Cooperatives Farmers Micro-Loans Abstract 　　Farmer microfinance is an important reform of the local credit management system in Japan, and the continued strengthening of the development of microcredit activities of local credit unions will reduce the pressure of loan difficulties from farmers and the national government. economic development, but also promote it. In addition, Chinas development will bring excellent social and economic benefits which have always attracted the attention of all sectors of society. The microfinance industry already has preliminary practices in Japan, and its effects are relatively large, but there are also many issues that need to be addressed. 　　In this article, the development process of the local household microfinance enterprise is taken as an entry point, and the background analysis and the service scale of the local household microfinance enterprise of the cooperative of local credit are investigated. Local credit unions stressed that the supply channels for loan funds are narrow. Regarding the issues such as low capacity for innovation and high risk, measures have been taken to address the expansion of sources of financing of local credit unions, improvement of the quality of service of local credit unions. customers of local credit unions and government expansion. We support