我国小额农贷体制的特点及改进思路  

作　　者：应宜逊[1,2] 黄震宇[1,2] 徐永良[1,2] 

机构地区：[1]浙江工商大学,杭州310000 [2]中国人民银行桐庐市中心支行,杭州市桐庐311500

出　　处：《金融研究》2005年第5期180-190,共11页Journal of Financial Research

基　　金：2003年国家社会科学基金项目<县域金融重构:基于县域经济内生需求的研究>(03BJY110)的部分研究成果之一。

摘　　要：目前我国的小额农贷已有很大发展,由于经济体制改革尚未完成,因而小额农贷体制带有较浓的“转轨”时期色彩。基本特点是:放贷机构单一,垄断性强;制度主义倾向明显,“深度”不足;有效地利用了行政资源,创造出富有特色的成功做法。今后的改进思路主要是:通过多种途径努力增强农村信用社的活力;加大政策扶持力度;设立为最贫困农户提供信贷服务的福利主义模式金融机构。Nowadays the Farmer Microcredit is in good condition, but the institution of it is characterized by a period of 'shunt' because the reform of economic institution hasn't finished yet. The basic characters are: the institutions that operate the Farmer Microcredit monopolize the market; the inclination of Institutionist is apparent and the depth is not enough; administrative resource is used effectively. The advises for improvement are: energize the Rural Credit Cooperatives by various means; strengthen the policy support; establish some Welfarist institutions that provide credit for the poorest.

关 键 词：小额农贷 体制 改进 

分 类 号：F832.43[经济管理—金融学]