浅析小额信贷问题

摘要···························································1

关键词·························································1

小额信贷概述···············································2

我国农村小额信贷存在的问题·································2

1.管理缺乏灵活性，信贷管理手段跟不上小额信贷的迅速发展·········2

2.贷款门槛高，信贷额度限制大，期限短···························3

3．在近年金融危机的情形下小额信贷资金来源短缺··················3

问题出现的原因·············································4

农村金融服务风险控制机制不健全······························4

农村小额信贷体系不完善······································5

政府在农村小额信贷实践中作用的定位不清晰····················5

我国农村小额信贷的对策·····································6

完善农村金融服务体系，建立多层次的农村金融服务机构··········6

完善农业风险保障服务体系····································6

提高农村小额信贷服务水平····································7

充分发挥政府的宏观调控作用··································7

小结·······················································8

参考文献···················································9

致谢·······················································10

内容摘要

作为农村金融的重要补充，我国农村小额信贷是一种比较有效的帮困扶贫模式，它为我国农村扶贫和经济发展发挥了重要的作用。

    我国农村小额信用贷款主要由政府推动，其运作模式主要是模仿孟加拉国乡村银行的小额贷款扶贫模式，信贷资金主要来源于国家扶贫性资金或国内、国际社会善款，商业资本较少。但农村小额信贷一般具有规模小、成本高、无抵押等特点，项目收益性普遍不高、风险大，导致小额信贷机构的可持续性比较差，加上还没有形成可以大规模推广的农村小额信贷发展模式，与我国同期经济水平相比，我国农村小额信贷发展水平严重不足。为了充分发挥农村小额信贷对于我国农村扶贫和促进经济发展的优势作用，本文从分析我国农村小额信贷的发展现状及存在的问题出发，探讨通过借鉴国外小额信贷发展和国内小额信贷实践过程中的成功经验，整合各方面的资源建立完善农村小额信贷服务体系，为农村小额信贷的发展营造一个有利的发展环境，以市场化的方式促进农村小额信贷的发展。

     文章主要分为三个部分进行论述:第一部分对我国农村小额信贷的发展历程、现状、发展特点及存在主要问题进行了分析;第二部分对国外主要成功小额信贷发展模式的运作特点、成功经验进行了分析，探索其对我国农村小额信贷发展的借鉴意义;第三部分提出解决我国农村小额信贷发展问题的思路及未来发展对策。

关键词：农村   小额信贷   问题  对策