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游离在传统银行贷款客户之外的农户,如何获得利率较低、无需抵押的信用贷款成为制约巴南农业发展的一大难题。信用村模式是目前最好的解决方法。在此模式基础上结合对应的信贷方案,可以实现农户、银行、财政三赢局面。探索农户贷款的模式1976年,孟加拉国穆罕默德·尤努斯从将27美元借给42个赤贫农妇的微不足道的贷款艰难起步,专门服务因贫穷而无法获得传统银行贷款的
How to obtain credit loans with lower interest rates and without mortgage has become a major challenge for the development of Bannan agriculture. The credit village model is by far the best solution. On the basis of this model, combining with the corresponding credit scheme, we can achieve a win-win situation for farmers, banks and finance. Exploring the pattern of peasant household loans In 1976, Mohammed Yunus of Bangladesh struggled hard from the insignificant loan of $ 27 to the 42 destitute peasant women, serving poorly unable to access traditional bank loans