论文部分内容阅读
由于国家大幅度上调国家扶贫标准线,我国的贫困人口增加到1.28亿人,占农村总人口的13.4%。如何在国家发展的同时通过金融支持真正惠及广大贫困人口成为当前亟待解决的问题。文章从分析农户的贷款需求着手,提出了小额信贷产品应具备的特点,并以此对象州农村合作银行的贷款产品进行评析,提出进一步发展农户小额信贷的思路。
As the state has raised the national standard of poverty alleviation substantially, the number of poor in China has increased to 128 million, accounting for 13.4% of the total rural population. How to truly benefit the vast majority of the poor through financial support while developing the country has become an urgent issue to be solved. Based on the analysis of loan needs of farmers, the article puts forward the characteristics that microfinance products should have and analyzes the loan products of rural cooperative banks in this state, and puts forward the idea of further developing rural microfinance.