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近几年来,我国社会经济发展成就巨大,但城乡贫富差距却不断扩大。实践证明,小额信贷是目前我国应大力发展的农村信贷之一,是金融支持社会主义新农村建设的重要手段。与此同时,农村信用社农户小额信贷业务的成功运行不仅使其成为农村信用社可持续发展的现实选择,而且成为广大农户脱贫致富的法宝。本文在着重分析农村信用社小额信贷的可持续发展现状以及存在问题的基础上,提出了相应的对策建议。
In recent years, China has made tremendous achievements in social and economic development, but the gap between urban and rural areas has continuously expanded. Practice has proved that microfinance is one of the rural credit that should be vigorously developed in our country at present and is an important means by which finance supports the new socialist countryside construction. At the same time, the successful operation of rural credit cooperatives’ microcredit business not only makes it a realistic choice for sustainable development of rural credit cooperatives, but also becomes a magic weapon for the peasants to get out of poverty. Based on the analysis of the status quo and problems of rural credit cooperatives’ sustainable development, this paper puts forward corresponding countermeasures and suggestions.