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1、浅析我国农村小额信贷存在的问题摘要当今中国经济持续稳定健康的可持续全面发展、和谐社会的构建，其中最为关键的无疑是三农问题。而农村金融的支持力度是影响农村经济稳定、农业发展平衡和农民收入增加的关键因素。农村小额贷款是我国农村经济发展的重要资金供给途径，随着农村小额贷款的进行，这项工程也面临着日益突出的问题，政府干预、贷款利率受限、缺少监管等开始出现并且成为阻碍农村小额贷款进一步发展的障碍。从国外农村小额信贷的成功经验来看,国家必须在法律制度上给予充分保障,在政策和财力方面给予支持和扶助,允许小额信贷利率在规定幅度范围内浮
2、动,还要切实发挥政府对小额信贷的组织和引导作用,保证我国农村小额信贷的健康发展。从国内农村小额贷款问题总结的经验和国外农村信贷的相关政策得出规避风险、完善监督制度利率开放等相关措施，更好的促进农村小额贷款的发展，促进农村经济的飞速发展。关键词：三农问题；小额贷款；农村经济；健康发展Analysisoftheproblemsofruralmicro-creditAbstractChina'seconomycontinuestopresentastableandhealthysustainableandcomprehens
3、ivedevelopment,harmonioussociety,whichisundoubtedlythemostcriticalruralissues.Supportforruralfinanceistheimpactofeconomicstabilityinruralareas,agriculturaldevelopmentandfarmersincomebalancethekeyfactors.China'sruralmicro-loansareanimportantruraleconomicdevelopme
4、ntmeansthesupplyoffunds,withtheruralmicro-loanstotheconductoftheprojectisalsofacinggrowingproblem,governmentintervention,interestratelimited,unregulatedandsobegantoappearandbecomeHinderthefurtherdevelopmentofruralmicro-creditobstacles.Fromabroad,thesuccessofrura
5、lmicro-creditexperience,theStatemustprovideadequateprotectioninthelegalsystem,policyandfinancialresourcesinthesupportandassistancetoallowmicro-creditinterestratetofloatwithinaspecifiedrangeofmagnitude,butalsoeffectiveroleofthegovernmentofMicrofinanceorganization
6、sandguidingroleinensuringthehealthofruralmicro-creditdevelopment.Ruralmicro-loansfromthedomesticlessonslearnedandabroadcometoruralcreditpoliciestoavoidrisksandimprovethesupervisionsystem,openinterestandotherrelatedmeasures,tobetterpromotethedevelopmentofmicrofin
7、anceinruralareas,andpromotetherapiddevelopmentoftheruraleconomy.Keywords:Ruralissues;smallloans;theruraleconomy;healthydevelopment目录论文总页数：13页1引言11.1课题背景11.2国内外研究现状11.3本课题研究意义21.4本课题的研究方法22我国农村小额信贷的发展状况22.1发放主体22.2发展形势22.3银行业积极进入小额信贷领域已取得初步成效32.3.1农业银行金惠农卡穗32.3.2
8、邮储银行4个全国性小额信贷产品42.3.3农村信用合作社作为小额信贷主力军42.4我国发展农村小额信贷的现实意义43我国农村小额信贷存在的问题53.1市场竞争体制尚未形成53.2资金紧张53.3贷款对象盲目扩张有悖于小额信贷初衷53.4不能机械化规定贷款额度和期限63.5保障机制缺失63.6管理困境64发展我国农村小额信贷的建议7
