微型金融在我国的发展与探索

微型金融为贫困人群和小企业提供金融服务和金融产品,它填补了传统金融机构在金融体系中的空白。结合当前我国农村金融改革,主要依靠现有商业银行和农村信用社,不可能解决有效服务"三农"发展的金融需求问题,尤其在沿海农村地区,随着商业性金融机构的不断撤离,渔业作为一项市场潜力巨大的行业,存在严重的金融抑制。因此,大力发展微型金融,提高对渔业经济的金融支持力度,是解决当前渔业金融抑制的有效途径。

Research and development of Micro-Finance in China

The Micro-Finance provides financial services and financial products for poor people and small business, and fills the gaps of traditional financial institutions in financial system. Based on the current China＇s rural financial reform, the financial need of service for the ＂three rural issues （agriculture, farmer and rural area）＂ development could not be resolved by relying mainly on the existing commercial banks and rural credit cooperatives. Therefore, strengthening the development of Micro-Finance has great practical importance.