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近年来,小额信贷扶贫模式在黔东南自治州悄然兴起,广大干部群众说,这是真扶贫、扶真贫的好模式。最近笔者在黔东南州考察扶贫工作时,重点考察了该州的小额信贷扶贫问题。根据省扶贫开发领导小组的部署,1998年黔东南州13个贫困县都开展了小额信贷试点工作,全州共投入小额信贷扶贫资金6422万元,扶持贫困户40137户,收到了较好效果。在此基础上,1999年,该州全面开展了小额信贷扶贫工作。到4月20日止,全州已发放小额信贷资金5553.7万元,覆盖1587个村,37170户。从去年10月到今年4月,7个月时间共发放小额信贷资金11975.7万元,覆盖农户77307户,约有50%的贫困户得到了扶贫贷款。黔东南州面积约3.03万平方公里,县份多达16个县市(其中13个国定贫困县),各县小额信贷的做法和形式不完全一样。农户联保,资金直接到户是黔东南卅多数县采取的形式。其主要方法是:由农户写出
In recent years, the poverty alleviation model for microcredit has quietly risen in the Qiandongnan Autonomous Prefecture. The vast majority of cadres and the masses said that this is a good model for helping the poor and helping the poor really become poor. Recently, when I visited poverty alleviation work in Qiandongnan Prefecture, I focused on examining the state’s microcredit poverty alleviation. According to the deployment of the provincial leading group for poverty alleviation and development, in 1998, 13 poverty-stricken counties in Qiandongnan Prefecture conducted pilot projects of microfinance. The state invested a total of 64.22 million yuan in poverty alleviation funds to support 40,137 poor households and received better effect. On this basis, in 1999, the state conducted a comprehensive poverty alleviation work on microcredit. As of April 20, the state has issued 55.537 million yuan of microfinance funds, covering 1587 villages and 37,170 households. From October last year to April this year, seven months, a total of 119.757 million yuan of microfinance funds were distributed, covering 77,307 rural households, and about 50% of poor households received poverty alleviation loans. Qiandongnan Prefecture covers an area of about 30,300 square kilometers, up to 16 counties and counties (of which 13 state-designated poverty-stricken counties), counties of microfinance practice and form is not exactly the same. Peasant households UNPROFOR, funds directly to households is Qiandongnan most form taken. The main method is: by the farmers write