摘要
农村小额信用贷款对农村经济发展所起的作用越来越大,农村合作金融机构是农村小额信用贷款的主要经营者,但农村小额信用贷款具有金额小、户数多、风险大、管理成本高等弱点,使农村小额信用贷款经营者的经济效益低和承担的风险大。文章提出了拓宽支农资金来源、加快农村信用环境建设、建立支农贷款补偿机制和激励机制、加快推进涉农担保体系建设、积极推进涉农金融机构信贷管理方式创新和产品创新、提高农业产业化水平、降低农户经营风险等六项措施促进农村小额信用贷款体制建设。
The effect of rural micro credit loan for rural economy development has become greater and greater.Rural cooperative financial institution is the the major operator for rural micro-credit loan.Yet the weaknesses of rural micro-credit loan are a small number of loan and many households and more risk as well as high cost of management.It results low benefit and high risk to the operator.To promote the institutional strengthening of rural micro-credit loan,the paper has proposed six measures as follow: developing the sources of agriculture supporting fund,accelerating the construction of rural credit environment,establishing compensation and incentive mechanisms of agriculture supporting loan,accelerating agro-security system,actively promoting credit management innovation and product innovation of agriculture-related financial institutions,improving agricultural industry level,reducing farmers business risk and so on.
出处
《南方园艺》
2011年第2期49-52,共4页
Southern Horticulture
关键词
农村小额信用贷款
农村经济
发展
rural micro-credit loan
support
rural economy
development
