对小额信贷问题的研究

一、小额信贷发展现状·····························3

二、农村信用社小额信贷经营存在的问题分析·········5

1.资金供给不足···································5

2.历史包袱过重···································5

3.行政干预过多···································6

4.人力资源短缺···································6

5.农户自身的问题·································7

三、农村信用社小额信贷持续经营的路径选择·········7

1.采取多种途径增加小额信贷资金···················7

2.采取有效措施以消化历史包袱·····················8

3.规范地方政府行为·······························8

4.培养高素质的小额信贷从业队伍···················9

5.增强农户的信用观念和金融意识···················9

6.健全农村信用社小额信贷的风险控制机制与监管机制·10

内 容 摘 要

随着我国鼓励农村金融发放小额信贷，并按新增农村小额信贷余额对农村金融机构进行财政补贴，作为农村金融主力军的农村信用社，创造性地推出了具有农村信用社特色的信贷品牌“农户小额信用贷款”，它不仅解决了农民贷款难和信用社难贷款的问题，而且为农村经济的快速发展起到了积极推动作用。但是，在各农村信用社大力推广小额农贷的过程中，也面临着一些亟待解决的问题，已成为制约小额农贷的深入推广的“瓶颈”，品牌创新还需要继续深化。