科技创业月刊
科技創業月刊
과기창업월간
PIONEERING WITH SCIENCE & TECHNOLOGY MONTHLY
2012年
7期
40-43
,共4页
农村小额信贷%农户信用%以信用换贷款体系
農村小額信貸%農戶信用%以信用換貸款體繫
농촌소액신대%농호신용%이신용환대관체계
rural micro-credit%farmer credit%the system of changing credit for loans
长期以来,受农户生产经营特征的影响,农村信贷供给不足,融资难成为农村经济发展的瓶颈。如何在控制信用风险的同时扩大农村小额信贷范围成为各农村金融机构关注的焦点。通过对山东省营海村民＂以信用换贷款＂小额信贷模式的优势及不足的分析,提出了针对农户信用特征进行农村小额信贷管理的建议。通过研究,希望为控制农村小额信贷机构风险,扩大农村信贷投放,促进农村发展提供参考。
長期以來,受農戶生產經營特徵的影響,農村信貸供給不足,融資難成為農村經濟髮展的瓶頸。如何在控製信用風險的同時擴大農村小額信貸範圍成為各農村金融機構關註的焦點。通過對山東省營海村民＂以信用換貸款＂小額信貸模式的優勢及不足的分析,提齣瞭針對農戶信用特徵進行農村小額信貸管理的建議。通過研究,希望為控製農村小額信貸機構風險,擴大農村信貸投放,促進農村髮展提供參攷。
장기이래,수농호생산경영특정적영향,농촌신대공급불족,융자난성위농촌경제발전적병경。여하재공제신용풍험적동시확대농촌소액신대범위성위각농촌금융궤구관주적초점。통과대산동성영해촌민＂이신용환대관＂소액신대모식적우세급불족적분석,제출료침대농호신용특정진행농촌소액신대관리적건의。통과연구,희망위공제농촌소액신대궤구풍험,확대농촌신대투방,촉진농촌발전제공삼고。
For a long time,as a consequence of the high risk of agriculture production,the supply of rural credit is far from enough and it makes farmers unavailable to necessary funds.How to control credit risk while expanding lending in rural areas captures attention of rural financial institutions.In response to this concern,the paper puts forward suggestions regarding rural micro-credit management based on farmer credit characteristics after analyzing the practice of Credit for Loans in Shandong province.It’s hoped that through the research,specific advisable ideas can be applied to control rural credit risk,expand rural lending and develop rural economy.
