我国小额农贷可持续发展的困境及对策研究——基于绍兴地区的调研

小额农贷的推出改变了传统扶贫方式主要依靠国家财政或外来捐赠资金、扶贫效果不明显的局面,依靠一种新型的信贷运作模式实现了部分地区扶贫项目的规范化、长期化运作。但我国农村小额信贷的发展目前仍处于实验探索阶段,还面临着各种各样的风险和挑战。本文以浙江绍兴地区为例分析了我国农村小额信贷发展过程中的问题,并提出有针对性的建议以实现我国小额农贷的可持续发展。

China small amount agriculture loaning sustainable development's difficulty and countremeasure research

Agricultural micro-credit is different from the traditional manner of poverty reduction which only relying on the state finance and the donor funds and the performance was not obvious. As a new manner of poverty reduction, it is a standardized mechanism somewhere. But China’s agricultural micro-credit development is still in its experimental stage of exploration, and faced with various risk and challenge. This text took Shaoxing, ZheJiang Province as an example analyses the problems in the development of agricultural micro-credit in China, and put forward specific proposals to realize the sustainable development of agricultural micro-credit.