小额农贷金融创新

发展农村经济需要金融支持。在金融机构丧失了国家的保护伞而需自谋饭碗的大环境下，如何平衡农贷的风险与收益，使资金的供应方有积极开展农贷的热情，这是理论界研究和争论的主题。实行小额农贷金融创新则是基层工作尝试的方向。

Financial innovation of small sum of farmer's loan

In China, the population of peasants is above 70 percent. If we can' t deal with the poverty of the peasants, we can' t promote the development of our nation.This is a serious problem for economic stability.To solve this problem, it is absolutely necessary to get the financial support. But we still don't know whose duty it is and how to keep the support longer. The financial institutions have only one aim- to get the most profits. In order to prcmote the enthusiasm of capital providers, a lot of works must be done to balance the risk and revenue of urban credit.