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2005年我国开展小额贷款公司试点工作,本着有效引导民间资金“服务三农”的宗旨,以贷款手续简便、产品贴近民众、利率水平合理合法等金融创新方式,为农民和中小企业解决临时性资金不足提供了有效途径,在解决“三农”信贷问题中发挥了很大的作用。然而,小额贷款公司在增加金融供给的同时面临
In 2005, China carried out pilot projects of small loan companies. In line with the principle of effectively guiding non-governmental funds and serving the interests of agriculture, farmers and small and medium-sized enterprises (SMEs), the Bank provided loans to farmers, small and medium-sized enterprises It has provided an effective way to solve the problem of temporary funding shortage and played a significant role in solving the “three rural issues” credit issue. However, microfinance companies are faced with the increase in financial supply