郁南县“信用工程”背景下小额信贷的扶贫绩效研究

小额信贷作为一种创新的金融服务工具，研究其绩效对我国金融改革和创新具有重要的作用。文章研究郁南县实施“信用工程”背景下小额信贷的扶贫绩效。通过问卷调查统计分析，我们发现小额信贷在一定程度上可以缓解农户贷款难问题，改善农户的生活水平，但效果不是很明显，“信用工程”还需要进一步推进。通过定量分析，我们得出结论是：总体上，小额贷款你能促进农民增收，但效果不是很显著；对于不同收入阶层，小额信贷的扶贫绩效对中低收入水平的农户不明显，但对高收入阶层的农户很显著。

Study on the Performance Evaluation of Microfinance on Poverty Reduction under the Background of Credit Project in Yunan County

Microfinance is one of effective tools of financial services, and therefore the research on its performance of poverty reduction plays an important role on the financial reform and innovation in China. This paper studies the performance of microfinance on poverty reduction under the background of Credit Project in Yu-Nan County. The results of statistical analysis of questionnaires reveal that microfinance can ease farmers＇ loan difficulties and improve their living standards to a certain extent, however, the effect is not so obvious, and therefore there is a large development space for Credit Project. Through empirical analysis, we can make conclusions that microfinance can increase farmers＇ income, but the effect needs to be improved. For different income groups, the poverty performance of microfinance on poverty reduction in low and middle income groups is not obvious, but for high-income households, it is significant.