摘要
小额信贷作为一种新型融资模式,能够为贫困者、低收入的家庭经营的小企业提供金融支持,扩展了正规金融信贷体系领域,畅通农村融资渠道。在农业产业化的融资体系建设中,小额信贷的承贷主体主要是农业产业化链条上资金实力薄弱的农户或微型企业。本文对小额信贷的组织机构、小额信贷运作机制以及存在一些亟待解决的问题进行研究,并提出完善小额贷款外部环境约束和小额信贷内部机制方面的建议。
Microfinance is a kind of financial innovation which can provides fund to poor households and small enterprises- and thus enlarge the regular financial system. Under construction of rural integration- the debtors of microfinance are the entities of agri-industrialization who are lack of money. The article analyses the organization and operation system,and then the authors give some advice about how to improve the environment and internal management.
出处
《全国商情》
2005年第6期29-31,35,共4页
关键词
小额信贷
农业产业化
农村金融
Microfinace- Agri-industrialization- Rural Finance
