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小额信贷是目前讨论最热的话题,尤其关于中小企业的小额信贷问题。但是本文中要讨论的是针对广西省农村小额信贷问题。顾名思义,小额信贷是小规模的金融服务模式,农村小额信贷业务也旨在服务于广大农村贫困户,是一种较好的扶贫助农的政策。而农村小额信贷的最终目的是希望能够消除贫穷,发展农业生产。小额信贷无需提供抵押物品等保证措施,因此也就伴随着一些风险,在小额信贷的发展过程中也必将产生一些问题,本文就农村小额信贷的利弊进行分析解读。
Microfinance is the hottest topic for discussion at present, especially on the microcredit issues of SMEs. However, this article is about the issue of rural microfinance in Guangxi province. As the name implies, microfinance is a small-scale financial service model. The rural microfinance business is also aimed at serving the vast rural poor households and is a good policy to help the poor and help the poor. The ultimate goal of rural microfinance is to eliminate poverty and develop agricultural production. The microcredit does not need to provide guarantee measures such as mortgages, so some risks will be accompanied by some problems in the development of microcredit. This article analyzes and analyzes the advantages and disadvantages of rural microcredit.