我国农村小额信贷发展路径探析

本文从我国农村小额信贷发展现状出发,首先对我国农村小额信贷机构类型、贷款对象和实践效果进行分析,然后指出小额信贷发展在我国陷入困境,提出了我国小额信贷在产权治理、法律监管、持续经营等方面存在的问题,最后从产品创新、设立小额信贷保险及建立农村信用评级制度提出了建议,进一步完善和发展我国农村小额信贷体系。

China countryside small amount credit development route probing

The passage mainly consists of three part s：First,analyzes the types of China rural microfinance institutions,loan targets and the effects of practice.Second,points out that the development of microfinance in China is in trouble,and puts forward the problems in microfinance management,legal supervision,and continuous operations.At last from the innovation of products,the establishment of microfinance insurance and credit rating system,raises proposals to further improve and develop China rural microfinance insurance and credit rating system,raises, proposals to further improve and develop China＇ rural microfi;nance systtem.