基于农户信用特征的农村小额信贷管理问题研究——以山东省营海村民以信用换贷款体系为例

摘要

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.%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。