发展商业性小额信贷:机制与途径  

Develop Market-oriented Microloan:the Mechanism and Methods

作　　者：杨红[1] 王璐瑶 康青山 YANG Hong;WANG Luyao;KANG Qingshan

机构地区：[1]吉林大学管理学院,吉林长春130022

出　　处：《吉林金融研究》2021年第5期11-15,共5页Journal of Jilin Financial Research

基　　金：吉林省马克思主义理论研究和建设工程专项课题,项目编号:2018M22。

摘　　要：提高农民收入、改善农民生活是中国最主要的民生问题,也是稳定脱贫攻坚成果的重要问题。解决问题的主要途径是通过金融投入来满足农民的资金需求、从而帮助其改善生产经营、实现脱贫致富。本文围绕农民资金需求问题,分析发展商业性小额信贷的机制与途径。研究提出,在现有阶段,小额信贷是支持“三农”发展的有效方式,而商业性小额信贷按照市场规则运行、能够实现可持续性。本文分析认为发展商业性小额信贷的作用机制主要包括政策激励机制、市场供给机制和小额信贷机构的商业运行机制。最后提出发展商业性小额信贷的途径主要是加强担保体系建设、发展农业保险、加强对农民的培训与教育、以及小额信贷机构完善管理机制和进行金融创新。Increasing farmer’s income and improve their life is one of the most important problems in China.The main solution to this problem is to meet farmer’s demand for capital to help them improve production and management in order to get rid of poverty.This paper analyzed the mechanism and methods to develop commercial microloan.We argued that microloan is an efficient way to support farmers.Compare to welfare-oriented microloan,market-oriented microloan is carried on the basis of market rules and is continuable.We also analyzed the running mechanism of market-oriented microloan which includes policy motivation system,market supply and demand system and running system of MIFs.At last,we proposed the main methods to develop market-oriented microloan are as follows:establish guarantee system,develop agriculture insurance,enhance training and educating farmers,support the development of NGOs and microloan companies,and improve management and fi nancial innovation of MIFs.

关 键 词：商业性小额信贷 可持续发展 农民资金需求 

分 类 号：F830.5[经济管理—金融学]