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| 我国农村小额信贷发展中的困境与改革措施 【摘要】：农村小额信用贷款作为一项增强信贷支农服务功能的重大政策措施，自在全国范围全面推广以来，为解决农户贷款难问题，支持农村经济发展，促进农民增收发挥了重要而积极的作用，受到了广大农户的普遍欢迎。但同时存在着诸多问题，如资金规模难以稳定、风险问题突出、相关制度不健全等。本文探讨了农村小额信贷的困境，从理论、实际和政策三个层面系统的提出符合我国国情的小额信贷发展的改革措施。 【关键词】：农村小额信贷 困境 改革措施 【Abstract】: the rural micro credit loans as a major policy measures to enhance function of credit support services, since 2002 to promote all-round nationwide since, as farmers loans to solve difficult problems, supporting the development of rural economy, promote the farmers income has played an important and positive role, generally welcomed by the majority of farmers. But at the same time, there exist many problems, such as capital scale is difficult to stabilize, risk problems, system is not perfect etc.. This paper discusses the Rural Micro Credit predicament, from theory, practice and policy three aspects system conforms to our country national condition the development of microfinance reform measures. 关键词：农村 小额信贷 改革 【Key words】: RuralMicro Credit Dilemma Development Reform measures |
