普惠金融视角下农村小额信贷发展研究

摘要

The rural microfinance as a kind of new method of the credit poverty relief is a product and result of the innovation of the traditional poverty alleviation. Currently, China’s rural microfinance credit business has provided a strong support for improving low-income people’s life quality, but because the development of the rural microfinance in China starts relatively late, it cannot achieve a sustainable development. Based on this, studying the microfinance under the perspective of the inclusive financial system is an important measure to develop the rural economy and increase farmers’income, and also the fundamental need to improve the rural financial market under the environment that the current rural financial supply is relatively insufficient. The paper firstly expounds the theoretical basis and relationship of the microfinance and inclusive financial system, analyzes the domestic practice of the microfinance development, and through the analysis on the gap between supply and demand of the microfinance, puts forward some suggestions on improving the development of China’s microfinance.%农村小额信贷作为一种新的信贷扶贫方法手段，是人们对传统扶贫方式不断创新的产物和成果。当前我国的农村小额信贷业务虽然对改善低收入群体生活质量提供了强有力的支持，但因我国农村小额信贷业务发展起步相对较晚，尚不能实现可持续性发展。基于此，研究普惠金融视角下的小额信贷是发展农村经济和增加农民收益的重要措施，也是在当前对农村金融供给相对不足的环境下完善农村金融市场的根本需要。本文分析了国内小额信贷发展的实践情况，并通过对我国小额信贷的供需缺口分析，对改进我国小额信贷的发展提出了一些建议。