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农村小额信贷是我国农村经济发展的重要资金供给渠道,在缓解农民贷款难、促进农村产业结构调整、农业经济转型、满足“三农”多样化生产需求等方面发挥了重要作用。尽管我国已相继出台政策,推进农村金融体制改革,大力发展农村普惠金融,有效支持农村实体经济发展。但是目前资金供求缺口大、行政干预严重、支农措施与农户需求不匹配等问题凸显并成为阻碍农村小额信贷进一步发展的障碍。鉴于此,本文结合工作实际,对我国农村小额信贷发展的现状进行探讨并提出相应对策。
Rural microfinance is an important channel for rural economic development in our country. It plays an important role in alleviating the difficulties of farmers’ loans, promoting the adjustment of rural industrial structure, transforming the agricultural economy and meeting the diversified production needs of “agriculture, rural areas and farmers”. Although our country has successively promulgated policies to promote the reform of rural financial system, vigorously develop the rural inclusive financial system and effectively support the development of rural real economy. However, at present, the problems such as large supply and demand gap, serious administrative intervention, mismatch of supportive measures and farmers’ demands, etc. become prominent obstacles to the further development of rural microfinance. In view of this, this article, with the actual work, to discuss the status quo of the development of rural microfinance in our country and put forward corresponding countermeasures.