论农村小额贷款的问题及其对策——以同安区为例
中文摘要
当前，农村小额贷款以其贷款额度较小、无需抵押或质押品、借贷方式相对灵活等优势，进年来呈现较快增长态势，但我国现阶段农村小额信用贷款仍存在农村金融信用环境差，农村小额信用贷款的风险多元化，农民还贷能力低，农村小额信用贷款期限和额度不合理，银行的内控机制不完善等问题。本文从推行农户小额贷款的背景及现状分析入手，并以同安区农村信用社开展小额贷款取得的成效为例，总结农村小额贷款在帮助农民脱贫致富方面的优势及在推行过程中面临的问题，最后提出了具体的解决对策。
关键词：农村金融机构 小额贷款 问题 对策
Abstract
At present, rural microcredit has shown faster growth in recent years for its advantages like less loan amount, relatively flexible forms of lending, and collateral-free or mortgages-free. However, there are still many problems of the current rural microcredit loans in China, including bad rural financial credit environment, the diversified risks of rural microcredit, farmers’ inadequate ability to repay the loans, the unreasonable duration and loan amount of rural microcredit and the imperfect internal control system of banks. This paper attempts to analyze the background and current situation of the rural microcredit, and then shows the achievements of the implementation of rural microcredit in Tongan area as an example. Later the paper summarizes the advantages and problems of the rural microcredit in helping farmers become rich. The last part of the paper proposes specific solutions.
Key Words：Rural financial institutions micro-credit problems countermeasures
*若需了解更多与协助请咨询↓→[电脑QQ][手机QQ]【数据协助】
