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本文以陕南地区农村小额信贷为考察和研究对象,分析了该地区小额农贷在推广过程中出现的问题,并结合实际提出实现其可持续发展的几点对策:在保证贷款安全并保值增值的前提下,适当放宽小额农贷发放标准和比例;加大农村小额信贷产品创新;完善小额贷款户信用等级评定机制;设立村镇银行等金融机构。
Based on the rural microfinance in Southern Shaanxi Province, this paper analyzes the problems that arise in the process of popularizing the small-sum rural credit in this area and puts forward some countermeasures to realize the sustainable development of microfinance in this area: On the premise of maintaining and increasing the value, we should appropriately relax the standard and proportion of small-amount rural credit loans; increase rural microfinance product innovation; improve the credit rating system for small-sum loan households; and establish financial institutions such as rural banks.