我国农村商业银行小额信贷资金配置研究摘要小额信贷是金融机构基于农户的信誉而发放的信用担保贷款，缓解了农户凶缺乏抵押资产而不能进行正规融资的困难。农村商业银行小额贷款是我国农村经济发展的重要资金供给渠道,随着这项工程的进行,阻碍小额信贷得发展的因数不仅有缺乏监管、贷款品种单一、风险大，还有资金配置等问题。随着市场经济的发展，农户经济行为也日益活跃，自有资金已经不能满足其需求，需要借入资金以满足生产生活需要。增加农村商业银行对农户的信任，解决运行操作问题来提高业务量比资金配置问题研究较多。本论文对农
我国农村商业银行小额信贷资金配置研究
摘要
小额信贷是金融机构基于农户的信誉而发放的信用担保贷款，缓解了农户凶缺乏抵押资产而不能进行正规融资的困难。农村商业银行小额贷款是我国农村经济发展的重要资金供给渠道,随着这项工程的进行,阻碍小额信贷得发展的因数不仅有缺乏监管、贷款品种单一、风险大，还有资金配置等问题。随着市场经济的发展，农户经济行为也日益活跃，自有资金已经不能满足其需求，需要借入资金以满足生产生活需要。增加农村商业银行对农户的信任，解决运行操作问题来提高业务量比资金配置问题研究较多。本论文对农村商业银行小额信贷的现状进行分析，研究内部资金问题来提高银行的工作效率，并根据以往的相关经验提出一下对策，促使农户小额贷款得到更好的发展。
关键词：农村商业银行；小额信贷；资金配置；建议
Our country rural commercial banks microfinance fund allocation research
ABSTRACT
Microfinance is based on the financial institutions farmers and extending credit guarantee loans, easing farmers lack of mortgage assets and evil can not carry out regular financing difficulties. Rural commercial bank small loans are China's rural economic development of important capital supply channels, with the project, hinder the development of small credit have to have not only the lack of regulation, factor loan risk a single, varieties, and capital allocation, etc. With the development of market economy, the farmer's economy is increasingly active behavior, their own funds have already can't meet its need, need to borrow money in order to meet the needs of production and life. To increase the rural commercial bank of farmers of trust, solve operation questions to raise business capital allocation problem than more research. This paper rural commercial bank loans are analyzed, and the research to improve internal capital bank work efficiency, and according to the former related experiences, puts forward the countermeasures, get farmers to small loans get better development.
Keyword: Rural commercial bank; Microfinance; Capital allocation; suggest
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