CAJ | 학술논문

小额信贷发展是实现我国普惠制农村金融目标的重要手段，目前存在的主要问题是无法实现“资金”与“机制”有效结合，公益性小额信贷由于资金短缺，服务覆盖面受到很大限制，小额贷款公司有资金优势，但逐利性和动机性太强，缺乏标准意义上的小额信贷机制，难以承担服务“三衣”的重任。未来我国应该开展小额信贷“资金”与“机制”的联动改革，通过创新性改革措施拓宽资金来源，通过机制创新确保小额信贷发展不偏离国家改革初衷。
소액신대발전시실현아국보혜제농촌금융목표적중요수단，목전존재적주요문제시무법실현“자금”여“궤제”유효결합，공익성소액신대유우자금단결，복무복개면수도흔대한제，소액대관공사유자금우세，단축리성화동궤성태강，결핍표준의의상적소액신대궤제，난이승담복무“삼의”적중임。미래아국응해개전소액신대“자금”여“궤제”적련동개혁，통과창신성개혁조시탁관자금래원，통과궤제창신학보소액신대발전불편리국가개혁초충。
The development of micro -finance is the key tool to realize the goal of GSP rural finance. The key problem at present lies in that it is impossible to combine ＂funds＂ and ＂mechanism＂ efficiently. Due to the shortage of funds, the service coverage of public welfare micro - finance is limited greatly. Small - loan companies have the advantages of funds, but they are lack of the mechanism of micro -finance in standard because of their strong profit pursuit and motivation. So, they are hard to undertake the key tasks of ＂three agricultural issues＂ . In the future, China should conduct the linkage reform of ＂funds＂ and ＂mechanism＂ of micro- finance. Through innovative reform measures, funds resources can be expanded. Through mechanism reform, the development of micro - finance could be assured not to deviate from the original goal of national reform.