摘要
我国农村小额信贷发展的过程中存在较多的制约因素。通过建立一个农村金融服务三缺口的分析框架,重点剖析我国农村小额信贷相关缺口的形成机制和制约因素。其中,垄断的金融组织垄断公共资源、金融技术创新推广难度较大等因素严重遏制了农村小额信贷供给的增长。因此,应采取综合措施促进贫困农村小额信贷的发展。
There are many constraining factors in the developing process of small sum credit loan in China＇ s countryside. By building an analysis framework for three kinds of absence of rural financial services. This paper is high- lighted in analyzing the generating mechanism of relevant absence for small sum credit loan in China＇ s rural regions and the constraining factors for it. Among these factors, financial organizations with a monopoly position monopolizing the public resources, greater difficulties for popularization of financial technologic innovation, etc. have curbed the growth of supply of small sum credit loan in China＇ s rural regions. Therefore, a package of measures should be taken to promote the development of poor region rural small sum loans.
出处
《河南金融管理干部学院学报》
2007年第2期84-88,共5页
Journal of Henan College of Financial Management Cadres
关键词
农村金融
小额信贷
信贷缺口
poor countryside
small sum credit loan
innovation
