小额贷款公司——农村微型信贷供给新路径分析  

Small Loan Company——An Analysis on the New Path to Mini-Credit Supply in the Rural Areas

作　　者：蒋志芬[1] 

机构地区：[1]南京审计学院金融学院,南京210029

出　　处：《经济问题》2009年第11期87-90,共4页On Economic Problems

基　　金：江苏省软科学项目(BR2008063)

摘　　要：农村小额贷款公司作为农村金融体制改革中出现的一种组织创新,它的发展促进了农村金融市场竞争,有利于引导民间借贷规范发展,弥补了现有农村金融服务的不足。小额贷款公司试点已在全国范围推广开来,发展迅速。但是,由于小额贷款公司是一个刚刚起步的新生事物,面临着内外多方面的困境。分析了当前农村小额贷款公司发展中存在的问题,并在此基础上提出完善农村小额贷款公司的发展战略。The development of small loan company in natal areas, as a new organizational innovation of financial system reform in the countryside, promotes the competition in the rural financial market, regulates the development of private loan and complements the shortage of current financial service in the rural areas. The experiment of small loan companies is under way rapidly around the country. Such companies, however, being a new thing in its primary stage, are facing many challenges both from inside and outside. This paper attempts to analyze the possible problems in the development of such companies and, on the basis of this, puts forward some strategies to perfect the operation these newly- built companies.

关 键 词：小额信贷 小额贷款公司 农村金融 

分 类 号：F830.58[经济管理—金融学]