农村小额信贷可持续发展研究摘要：随着我国建设新农村步伐加快，我国农村小额信贷发展面临着新的发展形势。本文分析了农村小额信贷在农村发展过程中，所起到的作用，同时分析了农村小额信贷存在的缺陷和不足，并针对具体问题，提出了一些参考性对策。关键词：农村；小额信贷；可持续发展StudyonthesustainabledevelopmentofruralmicrofinanceAbstract:withthedevelopmentofthenewruralconstructioninourcountrytospeedupthepace,thedevelopmentofruralmicrofinanceinChinaisfacedwiththenewsituation.Thispaperanalyzestheruralmicro-creditinruraldevelopmentprocess,therole,alsoanalyzesthedefectsandshortcomingsoftheruralmicrofinance,andaccordingtothespecificproblems,andputsforwardsomesolutionsforreference.Keywords:ruralmicrofinance;sustainabledevelopment;目录绪论........................................................................................................................1第一章概念综述....................................................................................................21.1小额信贷的可持续发展..........................................................................21.2小额信贷财务可持续发展问题..............................................................2第二章我国农村小额信贷的特点、作用和现状................................................42.1农村信用社小额信贷的特点..................................................................42.2农村信用社小额信贷的作用..................................................................42.3农村小额信贷现状分析..........................................................................6第三章我国农村小额贷款的缺陷分析................................................................83.1需求与供给方面......................................................................................83.2政府方面................................................................................................123.3农户方面................................................................................................123.4形成农村小额信贷问题的原因分析....................................................16第四章“”尤努斯乡村银行的实践对我国启示.................................................184.1“”乡村银行概述.....................................................................................184.2“”乡村银行对我国启示.........................................................................204.3借鉴国际农村金融模式........................................................................22第五章我国农村小额信贷市场的发展对策......................................................245.1完善供给和需求....................................................................................245.2完善农村小额信贷制度........................................................................265.3政府方面................................................................................................295.4农户方面................................................................................................33结论......................................................................................................................35参考文献..............................................................................................................36绪论小额信贷是为城镇和乡村中低收入人群提供小规模的金融服务，使城乡中贫困农户或者微型企业能够通过金融服务获得自我就业和发展的机会，从中能够取得利润...
