小额信贷发展中的问题及对策分析

本文介绍了小额信贷及其在国内外的发展概况。指出当前小额信贷发展中存在的问题：风险性、可持续夏展能力不足、缺乏资金投入和非政府小额信贷举步维艰等。并提出了相应的对策：加强对小额信贷的风险防范：创新小额信贷模式，增强可持续发展能力；多渠道筹措资金；针对非政府小额信贷存在的问题，提出了具体的解决思路和两种模式等。

Analysis of Problems and Countermeasures of Small Credit Development

The paper introduces the micro-finance and the overview of its development. Then it points out the problems in the development of finance, for example, facing risks, lacking of sustainable development ability, deficiency of fund input, difficulties in the development of non-government micro-finance. Accordingly, counter-measures presented are as follows: strengthening risk-guarding, innovating micro-finance model, raising money from multi-channels and paying special attentions to the non-government micro-finance.