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小额信贷自20世纪90年代以来在世界各地取得了巨大的发展和举世瞩目的成就,作为一种新型的金融方式,已经引起了全世界的广泛关注,正在逐渐得到重视和推广。小额信贷机构能够有效地为农村贫困人口提供小额贷款与其他金融产品,解决农村金融的困境。但截至目前,小额信贷的发展状况仍然难以满足社会经济发展的要求。本文分析我国农村小额信贷的供求矛盾,探讨其发展缓慢的深层次原因,并提出相对应的政策建议。
Since the 1990s, microcredit has made tremendous development and world-renowned achievements all over the world. As a new type of financial method, microfinance has drawn worldwide attention and is gradually being valued and promoted. Microfinance institutions can effectively provide microcredit loans and other financial products to the rural poor and solve the plight of rural finance. However, up to now, the development of microfinance still can not meet the requirements of social and economic development. This paper analyzes the contradiction between supply and demand of rural microfinance in China, discusses the deep-seated reasons for its slow development, and puts forward the corresponding policy recommendations.