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小额信贷在扶贫效果和可持续性方面取得的成功,为金融制度创新、金融支持低收入群体摆脱贫困恶性循环拓展了思路。近年来,海南省在农户小额信贷创新推广方面进行了有益的尝试并取得了良好收效。本文在介绍海南省农户小额信贷创新推广情况的基础上,对小额信贷模式的演进与优化进行了总结综述,并提出进一步推动小额信贷业务健康发展的政策建议。
The success of microcredit in terms of poverty alleviation and sustainability has provided a way for the financial system to innovate and financial support for low-income groups to emerge from the vicious cycle of poverty. In recent years, Hainan Province has made beneficial attempts in the innovation and promotion of rural household micro-credit and has achieved good results. Based on the introduction of the innovation and promotion of peasant household microfinance in Hainan Province, this paper summarizes the evolution and optimization of the microcredit model and puts forward the policy recommendations to further promote the healthy development of microfinance.