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农村小额贷款是减少贫困的重要的金融手段之一,在帮助有一定生产能力的贫困农户脱贫方面具有明显的效果。我国目前的农村小额贷款已进入扩张阶段,但农村小额贷款能否成为农村经济发展和区域扶贫开发的必要补充,不仅取决于农村小额贷款的融资渠道是否通畅等方面,更取决于我国立法对农村小额贷款是否给予足够的支持。针对我国农村小额贷款发展过程中遇到的实际问题,提出立法建议,才能给予农村小额贷款以法律上的支持,促使它更为稳定的发展。
Rural microfinance is one of the most important financial instruments to reduce poverty and has a significant effect in helping poor rural households with a certain capacity to get out of poverty. At present, China’s rural microfinance has entered the stage of expansion. However, whether rural microfinance can be a necessary complement to rural economic development and regional poverty alleviation depends not only on the availability of financing channels for microfinance in rural areas but also on China’s Legislation on rural microfinance is given enough support. In view of the practical problems encountered in the development of rural microfinance in our country, putting forward legislative proposals can we give legal support to rural microfinance and promote its more stable development.