我国小额信贷发展的对策摘要:小额贷款自从出现以来,在全球的范围内获得了广泛的发展。跟据世界银行的统计,目前在发展中国家有7000多家小额贷款机构,为1600万贫困人口提供信贷服务,全球小额贷款周转金估计达25亿美元。小额信贷在50多年的历史发展进程中,特别是从20世纪80年代以来,在亚洲、南美和非洲等许多国家,和地区得到了广泛推广,在解决微小企业和贫困农户融资问题上取得了成功,小额信贷成功的国际经验值得我们借鉴和推广.我国的小额信贷虽然已有十多年的发展,但由于众多因素的影响,我国的小额信贷没有得到持续性地发展,使得它的扶贫作用远没有完全发挥出来。本文从这一背景出发,通过梳理小额信贷发展的相关理论和分析目前我国小额信贷发展存在问题,对我国小额信贷的持续性发展提出建议。关键词:小额信贷、农村小额信贷、发展对策Abstract:Microcreditsincetheemergenceofawiderangeofdevelopmentonaglobalscale.AccordingtoWorldBankestimatesthatindevelopingcountrieshasmorethan7,000microfinanceinstitutionstoprovidecreditservicesfor16millionpoorpeople,theworld'smicro-loanrevolvingfundisestimatedat$2.5billion.Microfinanceinthe50yearsofhistoryinthedevelopmentprocess,especiallysincethe1980s,manycountriesinAsia,SouthAmericaandAfrica,andregionshavebeenwidelyachievedinsolvingthefinancingofsmallenterprisesandpoorhouseholdssuccessfulmicrofinancesuccessofinternationalexperiencewecanlearnfromandpromote.China'smicro-credithasbeenmorethan10yearsofdevelopment,butduetomanyfactors,China'smicro-credithasnotbeencontinuousdevelopmentofitspovertyreductionimpactoffar2play.Departurefromthisbackground,combingthroughmicrofinancedevelopmentofrelevanttheoryandanalysisofthecurrentdevelopmentofChina'smicro-creditproblems,makerecommendationstothesustainabledevelopmentofmicrofinance.Keywords:microfinance,ruralmicrofinance,developmentstrategies目录中文摘要及关键词--------------------------------------------------------------------------------------2英文摘要及关键词--------------------------------------------------------------------------------------2目录--------------------------------------------------------------------------------------------------------3第一章小额信贷的相关理论及背景分析---------------------------------------------------------4一、小额信贷的相关理论------------------------------------------------------------------------4(一)小额信贷的定义-----------------------------------------------------------------------4(二)小额信贷的原则-----------------------------------------------------------------------4(三)小额信贷的条件-----------------------------------------------------------------------4二、小额信贷的背景分析-------------------------------------------------------------------------4第二章中国小额信贷及农村小额信贷发展的历程----------------------------------------------5一、小额贷款在我国的发展历程----------------------------------------------------------------5二、我国农村小额信贷发展的历程-------------------------------------------------------------6第三章小额贷款现阶段存在的问题----------------------------------------------------------------7一、小额信贷认识的局限性----------------------------------------------------------------------7二、小额信贷面临外部发展环境艰难----------------------------------------------------------8(一)小额信贷融资受限--------------------------------------------------------------------8(二)小额信贷利率受限--------------------------------------------------------------------8(三)小额信贷自身内部...