中国农村小额信贷发展的制约因素及对策探析

开展小额信贷业务是突破农业发展中资金瓶颈的途径之一。本文基于十七届三中全会关于建设社会主义新农村的指导方针政策,定位于农村小额信贷,在阐述国内外小额信贷理论的基础上,分析了中国农村小额信贷现状及其发展的重要性,并从供求角度解析了农村小额信贷在实践发展中的制约因素,最后有针对性地提出可行性建议。

The Analysis on the Restrictive Factors and Countermeasures of Rural Micro-credit in China

It is one of important links to solve the three-key problems in rural areas of China that rural financial reforms should be implemented in order to realize urban-rural integration gradually. Since the development of agriculture heavily depends on the funding sources, it is a key channel to develop microcredit business to break the bottleneck of funding shortage. The paper attempts to analyze the importance and status quo of microcredit in rural areas of China based on the theoretical roots at home and abroa...