CAJ | 학술논문

当前,支持农村经济发展的农户小额信贷业务的政策还处于完善阶段。在广大农村,还存在着农户贷款难的现实。本文通过分析农户小额信贷的特征以及在现实中存在的主要问题,从宏观制度环境和微观管理模式两个方面提出完善农户小额信贷运作与管理的建议,力求解决农户贷款难的问题。
당전,지지농촌경제발전적농호소액신대업무적정책환처우완선계단。재엄대농촌,환존재착농호대관난적현실。본문통과분석농호소액신대적특정이급재현실중존재적주요문제,종굉관제도배경화미관관리모식량개방면제출완선농호소액신대운작여관리적건의,력구해결농호대관난적문제。
The policy of microcredit for rural household to support the development of rural economy is still in an initial stage at present. The difficulty in getting the loan for the rural household exists in most rural areas. Based on the analysis of the characteristics and main problems of microcredit in reality, the paper gives some suggestions from two aspects of macro system environment and micro management model to improve the microcredit operation and administration so as to try to reduce the difficulty of rural household in getting loans from banks.