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我国的农村小额信贷体系从上个世纪八十年代开始,到现在已经发展了三十多年,过程中经历了很多次的探索和改进,现在已逐步形成具有我国特色的小额信贷体系。然而我国的农村小额信贷在发展过程中却存在着融资渠道狭窄、金融工具模式单一、管理不够规范等一系列问题。本文分析了我国农村小额信贷发展中存在的问题,并针对这些存在的问题给出了几点相关的建议对策。
Since the 1980s, China’s rural microfinance system has been under development for more than 30 years and has undergone many exploration and improvement in the process. Now it has gradually formed its own microfinance system. However, in the process of development, China’s rural microfinance still has a series of problems such as narrow financing channels, single mode of financial instruments and inadequate management. This article analyzes the existing problems in the development of rural microfinance in our country and gives some suggestions and suggestions on these existing problems.