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作为一个有着九亿农村人口的国家,我国的农村金融体系却没有得到应有的发展。近年来,农民收入增长缓慢,导致需求增长缓慢,这极大地影响了我国经济增长速度。其中一个重要原因是农民得不到应有的信用支持。而另一方面,农村信用社由于偏离方向而导致经营困难。为了改变这一局面,中国人民银行近年来在努力推动农村信用社对农户的小额信贷工作。为此,本刊组织了几篇稿件。一是对中国人民银行合作金融机构监管司司长张功平的采访稿,二是对江西婺源推行农户小额信贷的调查,三是著名经济学家张曙光教授的评论文章,四是业内人士从利率角度谈农村信用社的发展。
As a country with a population of 900 million rural people, our country’s rural financial system has not been properly developed. In recent years, the slow growth of peasants’ income has led to the slow growth of demand, which has greatly affected the rate of economic growth in our country. One of the important reasons is that farmers do not receive the credit support they deserve. On the other hand, rural credit cooperatives have difficulties in their operation due to their deviation from the direction. In order to change this situation, the People’s Bank of China has been trying hard to promote rural credit cooperatives’ microfinance work to farmers in recent years. To this end, the magazine organized several articles. First, an interview with Zhang Gongping, director of the supervisory and financial department of the People’s Bank of China’s cooperative financial institutions; second, an investigation into the implementation of microfinance in farmer households in Wuyuan, Jiangxi Province; third, a review article by the famous economist Zhang Shuguang; fourth, from an interest rate perspective On the Development of Rural Credit Cooperatives.