CAJ | 학술논문

中欧天然林管理项目小额信贷基金在国家天然林保护工程区内采用3种运作模式，即NGO模式、国有森工企业模式和社区天然林管理协会模式，在项目县、乡、村选取试点单位，建立小额信贷机构，开展小额信贷试点工作。实践证明小额信贷基金对于提高项目区居民的环保意识、增加森林保护型生计项目，拓宽收入来源和增加居民收入、减少对天然林的依赖和破坏起到了积极作用，实现了天然林保护的目标。在总结3种模式小额信贷运行成果、经验和启示的基础上，对在全国天然林保护工程区推广小额信贷以及3种模式小额信贷的未来发展方向提出了建议。
중구천연림관리항목소액신대기금재국가천연림보호공정구내채용3충운작모식，즉NGO모식、국유삼공기업모식화사구천연림관리협회모식，재항목현、향、촌선취시점단위，건립소액신대궤구，개전소액신대시점공작。실천증명소액신대기금대우제고항목구거민적배보의식、증가삼림보호형생계항목，탁관수입래원화증가거민수입、감소대천연림적의뢰화파배기도료적겁작용，실현료천연림보호적목표。재총결3충모식소액신대운행성과、경험화계시적기출상，대재전국천연림보호공정구추엄소액신대이급3충모식소액신대적미래발전방향제출료건의。
Micro-credit fund of Sino-European Natural Forest Management Project adopted three operation modes in the. national natural forest protection project region, namely NGO model, model of state-owned forestry enterprises and model of community natural forest management associations, selected experimental units in the project counties, townships and villages, established micro-credit institutions to carry out micro-credit pilot work. Prac- tice has proved that micro-credit fund played a positive role in improving the environmental consciousness of residents in the project area, increasing forest protection livelihood projects, broadening income sources and in- creasing income, reducing dependence and destruction of natural forests, and achieved the goal of natural forest protection. On the basis of summarizing the results, experience and inspiration of three micro-credit models, the paper proposed recommendations for extending micro-credit in the National Natural Forest Protection Project regions and the future development of three micro-credit models.