农村信用社农户小额信贷存在的问题与对策——以甘肃省肃州区为例

在对甘肃省肃州区农村信用社农户小额信贷现状进行调研的基础上,认为目前农户小额信贷存在资金供求矛盾大、额度小、期限短、贷款使用方向单一和具一定风险等问题。由此提出应给农村信用社更宽松的融资环境,为农村信用社开展农户小额信贷提供政策性支持,尽快建立农户小额信贷的风险防范机制,尝试“中额”农户信用贷款,打破农户小额信贷期限管理的限制和积极拓展农户小额信贷领域的政策建议。

Issues and solutions on small amount credit from rural credit unions for peasant household--Taking Suzhou district in Gansu province as example

Based on the surveys of small amount credits from the rural credit unions in Suzhou district of Gansu province, some problems were found, such as: lack of financial resources, high cost and short cycle term compared with small amount of the credit needs, limited flexibility of the credit usage, and risks for the credit unions to get back the returns, etc. In order to improve this situation and provide efficient services for farmers, some changes need to be made as suggested below: 1) provide a favorite offer of financial resources supply for the rural credit union to serve small amount credit, 2) set up some mechanisms to prevent risks of small amount creditt for farmers, 3) try to provide mid-amount credit for farmers, and 4) extend the applicable fields and the return terms for such credit service and so on.