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小额信贷覆盖面大、到户率高、经济效益好、扶贫效果显著、返贫率低、还贷率高、资金周转快。但是由于信用体系缺失、信贷集约型差、经济效益短暂、针对客户单一、发展速度慢等因素,导致了这种特殊的方式存在着很大的局限性。文章就农村小额信贷机构中存在的问题进行了研究,旨在为山西省小额信贷机构的发展提供立法和研究的依据。
The coverage of microcredit is high, the rate of arrival is high, the economic benefits are good, the effect of alleviating poverty is obvious, the rate of returning poverty is low, the repayment rate is high, and the cash flow is fast. However, due to the lack of credit system, poor credit intensiveness, short-term economic benefits, single-client, slow development and other factors, this particular method has its own limitations. This article has carried on the research to the existing problems in the rural microfinance institutions, aiming to provide the basis for legislation and research for the development of the microfinance institutions in Shanxi province.