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解决“三农”问题的一个重要切入点是为农民创造更多的获得金融服务的机会。在我国农村金融服务趋于短缺的情况下,通过引入农户小额信用贷款,在一定程度上可以缓解农村金融制度缺失的问题,从而实现以金融制度创新促进农村经济发展的目的。本文试图在重新认识发展中国家农村金融市场特点的基础上,分析我国农村金融服务短缺和农户小额信用贷款发展面临的瓶颈问题,提出通过引导农户小额信用贷款可持续发展,形成农村金融服务“有进有退”的新格局及相关的政策建议。
An important entry point for solving the “three rural issues” is to create more opportunities for peasants to obtain financial services. With the shortage of rural financial services in our country, the introduction of small-scale rural credit loans can alleviate the problem of the lack of rural financial system to a certain extent, so as to achieve the purpose of promoting the rural economic development with financial system innovation. This paper attempts to re-understand the characteristics of rural financial markets in developing countries, based on the analysis of China’s rural financial services shortage and the development of rural small loans face the bottleneck problem, proposed by guiding the sustainable development of rural micro-credit loans, the formation of rural financial services “There are retreat into ” the new pattern and related policy recommendations.