小额贷款在新农村建设中的作用探讨

实践证明,农村小额贷款在服务新农村建设方面取得了巨大作用。但是,小额农贷在支持新农村建设的过程中,资金的外流、载体的缺乏、风险失控、政策法规的缺失等方面的因素制约了小额农户贷款持续发展。为了能更好地服务于社会主义新农村的经济发展,缓解农业金融贷款需求,补充替代非正规金融,补充正规金融,改善信贷分配不平,本文提出了农村小额贷款的发展路径。

Probing into small amount loaning's function in new countryside construction

Practice has shown that rural micro-finance the construction of new rural areas in the service made a significant role.However,the small agri-cultural credit in support of the new rural development process,the outflow of funds,lack of carrier,the risk out of control,lack of policies and regulations,such as factors constraining the sustainable development of small farmers loans.In order to better serve the new socialist rural areas of economic development,agricultural finance loans to ease the demand for Complementary and Alternative nonformal financial services,to complement the formal financial services,to improve the uneven distribution of credit,this paper presents the development of rural micro-credit path.