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从小额信贷的运作模式和存在的瓶颈分析了我国农村小额信贷发展现状,阐述了小额信贷存在的问题。继而从宏观和微观两方面对制约我国农村小额信贷发展的因素加以分析,涉及到法律法规、政府行为、管理机制、资金持续性、贷款利率和期限及信贷风险等。针对制约因素,借鉴国外经验,提出对策建议,即完善法律法规、加大扶持力度、创新融资渠道、推动信贷组织金融创新和加强风险防范,藉此实现我国农村小额信贷的健康发展。
From the mode of operation of microfinance and existing bottlenecks, this paper analyzes the current situation of rural microfinance development in China and expounds the problems of microfinance. Then from macro and micro perspectives, it analyzes the factors that restrict the development of rural microfinance in our country, including laws and regulations, government behavior, management mechanism, fund sustainability, loan interest rates and deadlines and credit risk. In view of the restrictive factors, we draw lessons from foreign experience and put forward countermeasures and suggestions, that is, perfect laws and regulations, increase supportiveness, innovate financing channels, promote financial innovation of credit organizations and strengthen risk prevention so as to realize the healthy development of rural microfinance in China.