普惠金融体系下农村小额信贷发展研究——以山西省农村小额信贷为例  

Development of Micro- credit in Rural Financial System at Pratt & Whitney:Rural Microfinance in Shanxi Province as an Example

作　　者：蔚垚辉[1] 曹宇波[1] 耿振[1] 

机构地区：[1]山西大学商务学院,山西太原030031

出　　处：《经济问题》2016年第6期85-88,共4页On Economic Problems

摘　　要：农村小额信贷是发展普惠金融的重要组成部分,对解决"三农"问题、促进"三农"发展、完善农村金融体系具有积极的作用。通过对山西农村小额信贷发展的现状调查,结合调查问卷,运用层次分析法对影响山西农村小额信贷的因素进行分析,找到其发展过程中存在的问题,提出了健全法律法规和监管体系,实行差异化的信贷利率政策,提供多元化的农村小额信贷服务,建立健全风险防范控制体系,增加资金来源渠道,提升小额信贷机构的管理水平的建议。Rural microfinance is an important part of the development of Inclusive Finance,to solve the ＂three rural＂issues,promote the ＂three rural＂development,improve the rural financial system has a positive role. In this paper,through the analysis of the current situation of the development of rural microfinance in Shanxi,combined with the questionnaire,the use of analytic hierarchy process to analyze the factors affecting the micro credit in Shanxi,find the existed in the process of development problems,and put forward the perfect laws and regulations,the implementation of differentiated credit interest rate policy,improve the diversification of rural microfinance services,establish and improve the risk prevention and control system,increase the funding channels,enhance measures of the management level of microfinance institutions.

关 键 词：普惠金融 小额信贷 金融体系 层次分析法 

分 类 号：F832.43[经济管理—金融学]