农村小额信贷可持续发展的基础条件分析

ANALYSIS ON THE BASIC CONDITIONS OF MICROCREDIT SUSTAINABLE DEVELOPMENT IN RURAL AREAS

关键词:  小额信贷,信用环境,信贷风险,金融组织

Key words:  microcredit,credit environment,credit risk,financial organization

摘要:

小额信贷是20世纪90年代政府采用的一种最直接的扶贫方式,也是一种新兴的农村金融业务方式。但由于在我国还不完全具备小额信贷推广实施的条件,对它的性质和特征的认识,还停留在原有的公益性和扶贫性上,对它的有偿性和商业性的特点没有引起足够的重视。该文分析了小额信贷产生发展的条件,并提出了改善这些条件的具体措施和方法。

Abstract:

Micro credit is one of the most direct ways of helping the poor adopted by Chinese government in the early of 1990s.It is also one of the newly established financial business methods in the rural areas.Due to the shortage of conditions in China to popularize micro credit,people didn't attach sufficient importance to its commercial features.This paper carries out an analysis on the conditions to produce and develop micro credit and puts forwards concrete measures and methods to improve these conditions.