一、我国农村小额贷款公司发展的背景及定位(一)产生背景与发展历程1.产生背景一方面,我国农村金融体系发展滞后,导致农村经济发展所需的资金供给不畅,农户贷款难,缺乏季节性的短期周转资金;另一方面,我国民间存在着大量可用于投资的闲置资金,特别是随着经济形势的变化,相当一部分资金正从制造业、房地产和股市撤回并大量闲置。而这部分资金若投入农村金融市场,则对于缓解农村资金缺口,强化农村金融竞争,完善农村金融市 I. Background and Positioning for the Development of Rural Microliths in China (I) Background and Course of Development 1. Background On the one hand, the development of rural financial system in our country lags behind, resulting in poor supply of funds needed for rural economic development, difficulty in providing loans to rural households The lack of seasonal short-term working capital. On the other hand, there is a large amount of idle funds available for investment in our country. In particular, as the economic situation changes, a considerable part of the funds are withdrawn from manufacturing industries, real estate and the stock market and are largely idle. If this part of the funds is invested in the rural financial market, it will be very helpful to alleviating the rural funding gap, strengthening rural financial competition and improving the rural financial market