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我国农村地区普遍存在着小额信贷供给不足的问题,本文通过论述农村小额信贷的风险,分析了农信社惜贷的原因,并列举了显存多种小额信贷模式的优点与缺点。在此基础上,提出了农村小额信贷组合贷款模式的设想。
In rural areas of our country, there is a widespread problem of insufficient supply of microcredit. This paper analyzes the reasons for the credit crunch of rural credit cooperatives by discussing the risk of rural microloans and lists the advantages and disadvantages of multiple microcredit models. On this basis, put forward the idea of rural microfinance portfolio loan model.