CAJ | 학술논문

长期以来,我国农村地区金融服务供给不足,严重制约了我国农村经济的发展,也成为＂三农＂问题不能有效解决的重要因素。解决＂三农＂问题的关键之一在于能否为农村提供充足的、多层次的金融服务支持。尽管小额贷款公司的诞生有效地缓解了我国农村金融服务供给不足的矛盾,但小额贷款公司在运营过程中也出现了诸多问题,文中分析了这些问题并提出解决这些问题的相关措施。
장기이래,아국농촌지구금융복무공급불족,엄중제약료아국농촌경제적발전,야성위＂삼농＂문제불능유효해결적중요인소。해결＂삼농＂문제적관건지일재우능부위농촌제공충족적、다층차적금융복무지지。진관소액대관공사적탄생유효지완해료아국농촌금융복무공급불족적모순,단소액대관공사재운영과정중야출현료제다문제,문중분석료저사문제병제출해결저사문제적상관조시。
For a long time,sever lack of financial services in rural areas of China has restricted rural economic development,and it has also become the important factor to ineffectively resolve issues of agriculture,farmer and rural area. The key to solving issues of agriculture,farmer and rural area lies in whether providing adequate and multi-level finan-cial services for rural areas. The birth of micro-credit companies has effectively relived the shortage of rural financial services; however,micro-credit companies appeared a lot of problems in the process of operation. The aim of this article is to analyze these problems and then propose relevant measures to solve these problems.