农村小额信贷发展策略研究

小额信贷作为一种有效的金融扶贫方式，在我国已有十几年的发展历史。然而，我国小额信贷的发展依然缓慢，不能弥补农村巨大的资金需求缺口。文章论述了小额信贷在资金来源、风险控制等方面存在的问题，并探讨了完善小额信贷的政策措施，即充分利用原有的农村正规金融机构，建立多层次的小额信贷载体，推进利率市场化改革，大力发展农业保险，尽量减少行政干预，在政策上予以支持，协调部门关系，为小额信贷创造宽松的环境。

On the Policies to Improve the Microfinance in Rural Areas

As an effective financial tool to help the poor, microfinance has been introduced to China for over ten years. But there are still some problems that block its advance. This paper discourses upon the policies to improve the mierofinance, such as to innovate the interest rate system, to develop agricultural insurance, and to create good circumstances for microfinance.