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农村金融是农村经济的核心,没有农村金融的强劲支持,难有农村经济的长久繁荣。小额信贷在我国经历近二十余年的发展,已经取得了重大的经济和社会效益。但是实施过程中出现了可持续发展等一系列问题,小额信贷资金与农民致富项目没有形成有效联动,农户和信贷部门缺乏必要的信任和合作,使小额信贷资金的扶贫作用难以发挥,严重阻碍了小额信贷的健康发展,影响了农民生活的改善,不利于“三农”协调发展。借鉴世界上小额信贷主流发展模式的做法,要实现农村小额信贷的可持续发展,必须有规避农村信贷风险的防范机制和补偿机制,创新农村小额信贷的运作模式。
Rural finance is the core of the rural economy. Without the strong support of rural finance, rural economy can hardly prosper for a long time. Microfinance has experienced significant economic and social benefits in our country over the past two decades or so. However, a series of problems such as sustainable development appeared in the process of implementation. There was no effective linkage between the microfinance funds and the project of getting rich by farmers. The farmers and credit departments lacked the necessary trust and cooperation to make it difficult for the microfinance funds to play an active role in alleviating poverty. Hindered the healthy development of microfinance, affected the improvement of peasants’ living and hindered the coordinated development of agriculture, rural areas and farmers. To draw lessons from the development mode of mainstream microcredit in the world and to realize the sustainable development of rural microcredit, we must have the precautionary mechanism and compensation mechanism to avoid rural credit risk and innovate the mode of operation of rural microcredit.