珠三角农村小额信贷发展研究

摘 要
    珠三角地区人口密集，农村人口占相当一部分，发展农村金融是必要的，而农村金融是现代农村经济的核心，创新农村金融机制，放宽农村金融准入政策，加大对农村金融政策的支持力度，引导更多信贷资金和社会资金投向农村,使农村经济更快更好地发展。其中，农村小额信贷作为一种新型的农村金融服务模式，能够有效地解决农村资金的供求矛盾，降低资金流动成本，提高资金使用效率，增加农民收入，减少贫困人口。因此，应该大力发展农村小额信贷，鼓励各种适合农村特点和需要的微型金融服务。本文通过对目前我国珠三角农村小额信贷现状的阐述，实例分析珠三角农村小额信贷发展存在的问题，从而提出了珠三角农村小额信贷发展的建议，希望这些建议能促进小额信贷更好地为珠三角农村经济的发展做出贡献。

关键词 珠三角；小额信贷；农村金融；建议；
Abstract

The Pearl River Delta is the city of densely populated in the world, rural population accounts for a considerable part of it. Development of rural finance is the necessary and rural finance is the core of the modern rural economy. Innovative rural financial system, relaxation of the rural financial access policy and increases support of the rural finance policy, guide more credit funds and social funds in rural, so that the development of the rural economy can be efficient and effective. Among them, microfinance in rural areas as a new type of the rural finance services mode can effectively solve the contradiction between supply and demand of fund in rural areas, reduce the cost of capital flow, improve capital efficiency and increase farmers’ income to reduce the poor population. Therefore, it’s necessary to develop the rural microfinance, encourages various finance services. This paper describes the phenomenon of the microfinance in the Pearl River Delta and analyzes the existing problems and harmfulness. From that put forward some proposals about it. Finally, hope that these recommendations can promote microfinance better.

Key words：  the pearl river delta; microfinance; rural finance; recommendations

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