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海南省的特殊地理位置使海南农业有着巨大优势,但资金问题长期制约着农村经济的发展。小额信贷的出现,是解决农村经济发展问题的重要突破口。以海南农信社为代表的海南小额信贷支农惠农,对帮助农民提高收入、加快农村产业结构调整、改善农村金融环境等做出了贡献。然而农村小额信贷发展的过程中运营成本、风险把控、贷款结构、评价体系、可持续性等方面仍然存在一定的问题需要解决。
The special geographical location of Hainan Province has given Hainan agriculture a great advantage, but the financial problems have long restricted the development of rural economy. The emergence of microfinance is an important breakthrough in solving the problem of rural economic development. The representative of Hainan Rural Credit Cooperatives, Hainan Microfinance agriculture and benefiting farmers, to help farmers increase their incomes, accelerate the adjustment of rural industrial structure, improve the rural financial environment and made its contribution. However, there are still some problems that need to be solved in operation cost, risk control, loan structure, evaluation system and sustainability in the process of rural microfinance development.