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农民“贷款难”历来是制约农村经济发展的一个突出问题。怎样发挥金融组织和机构的积极性,进行金融产品创新和机制创新,对农村经济发展给以有力的支持,是关系到我国经济可持续发展和建设和谐社会的重要问题。诺贝尔经济学奖获得者穆罕默德·尤努斯教授,在支农小额贷款方面做出了成功的探索和尝试。20世纪80年代,尤努斯教授通过在世界上最贫困的国家之一的孟加拉国设立农村银行(“格莱珉银行”),为最贫困的个体农民提供最基本的无担保小额贷款,以便使他们从无以谋生的贫困境地中获得
Peasants “Difficult to Loan” has always been a prominent issue restricting the development of rural economy. How to give play to the enthusiasm of financial organizations and institutions, innovate financial products and innovate mechanisms, and give strong support to rural economic development are important issues that have an impact on the sustainable development of our economy and the building of a harmonious society. Prof. Muhammad Yunus, winner of the Nobel Prize in Economics, has made successful explorations and attempts in supporting small-sum loans for agriculture. In the 1980s, Professor Yunus provided the most basic unsecured small-scale payment to the poorest individual farmers by setting up a rural bank (“Grameen Bank”) in Bangladesh, one of the poorest countries in the world Loans in order to get them from a poverty-stricken environment that does not make a living