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在农村金融体系改革过程中,农村小额信用贷款是一金融的创新项目。特别是近几年,农村小额信用贷款在改善农村信用社的盈利,农民收入的增加,对农产业结构调整及促进农村经济发展等方面都取得了重大的成就。我国农村小额信贷发展起步比较晚,所以我国应该积极借鉴成功的经验并且进行制度创新。同时在发展过程中,出现了不少风险。都这些风险我们应该要积极防范。
In rural financial system reform, rural microfinance loans are a financial innovation project. Especially in recent years, rural microfinance loans have made great achievements in improving the profitability of rural credit cooperatives, increasing farmers’ income, adjusting the structure of agricultural products and promoting rural economic development. China’s rural microfinance started relatively late, so our country should actively learn from the successful experience and carry out institutional innovation. At the same time in the development process, there have been many risks. All of these risks we should take precautionary measures.