我国农村小额信贷发展中的制度影响控制探析

我国农村小额信贷可视为一项微观信贷制度创新,表现为主要依赖五要素管理的新型信贷风险管理方式.在我国农村小额信贷发展中,主流商业信贷管理方式一直产生着影响.对担保制度的偏好可能使小额信贷制度的发展成为影响农村现有物权制度的因素之一,我国农村现有物权制度的特殊性要求我们注意并控制农村小额信贷制度可能产生的这种影响.

An Analysis of Influence Control of Rural Microfinance System in China

The rural microfinance in China is regarded as a kind of innovation of micro credit, which is a new credit management method including five key elements. During the rural microfinance development in China, it is still influenced by the main commercial credit management methods. The preference of guarantee system will make the rural mierofinance an influencing ele- ment on rural property rights system. The specialization of rural property fights in China nowadays demands us to pay attention to the influence of rural microfinance and control it.