农村小额信贷模式选择:正规与民间比较  

Mode Selection of Rural Small Credit: Comparison of Formal and Folk

作　　者：刘荣多[1] 赵邦宏[2] 

机构地区：[1]中华女子学院金融系,北京100101 [2]河北农业大学经济贸易学院,河北保定071001

出　　处：《安徽农业科学》2009年第12期5710-5711,共2页Journal of Anhui Agricultural Sciences

摘　　要：将正规小额信贷与民间信贷进行对比,发现内生于中国农村经济生活中的民间小额信贷具有降低交易成本、化解金融风险、适应性强等方面的优势,因此扶持发展民间小额信贷才能使更广大的农民获得金融支持才能够真正建立普惠性金融体系,提出建立乡村范围社区银行是未来民间小额信贷的新形式。Through comparing with formal and folk small credit, the result shows that folk small credit is inherent in country economy has the advantages of lowing trade cost, resolving financial risk and strong adaptability. Therefore, developing folk small credit, more peasants can get financial help and build inclusive financial system. The study puts forward building community banks in village that is a new model of folk small credit.

关 键 词：农村 民间 小额信贷 普惠金融 

分 类 号：F321[经济管理—产业经济]