论文部分内容阅读
十年前,为了解决农村贷款难问题,农户小额信用贷款和联保贷款(以下简称农户小额信贷)开始在全国农村信用社全面推广,大量分散且没有抵押担保的农户获得了便捷、普惠的信贷服务。但近年来,社会各界有关农村贷款难的呼声仍然较高。近期,笔者对广西区部分农村合作金融机构(以下简称农合机构)开展农村小额贷款的情况进行了调研,指出仍存在的矛盾,提出了相关政策建议。农民有效资金需求基本满足笔者选择了19家县级农合机构进行调研,向部分农户、农村经济组织发出了调查问卷近1050份,其中已在农合机构有贷款的客户610份,贷款额度均在5万元以下;尚未发生信贷关系的准客户
Ten years ago, in order to solve the difficult problem of rural loans, small-scale credit loans and UNPROFOR loans (hereinafter referred to as farmers’ microfinance) began to be promoted across the country by rural credit cooperatives. Large numbers of dispersed and unsecured farmers enjoyed convenience, Benefit credit service. However, in recent years, the voice of all walks of life on rural loans is still high. Recently, the author conducted a survey on some rural cooperative financial institutions (hereinafter referred to as “agricultural cooperative institutions”) in rural areas of Guangxi for conducting small-sum loans in rural areas, pointing out the existing contradictions and putting forward relevant policy suggestions. Basic requirements of farmers’ effective capital funding The author selected 19 county-level agricultural and sideline institutions for investigation and research and sent some 1050 questionnaires to some farmers and rural economic organizations, of which 610 were customers who have loans in the rural cooperative organizations, and the loan quotas were In 50,000 yuan or less; credit customers have not yet occurred