少数民族地区小额信贷存在问题及对策

• 作 者: 杨经华
• 机 构: 贵州财经学院,
• 出 处: 特区经济
• 发表日期: 2010年07期
• 关键词: 小额 文化观念 民族地区文化 少数民族地区 信息渠道 非对称 信息不对称 民族村寨 资金供需 农村金融体系

由于传统文化观念的影响、彼此信息的非对称性以及打工经济导致信贷主体的缺失,小额信贷在少数民族地区受到了一定的制约。为此,促进民族地区文化观念的转变、巩固民族地区借贷主体、保持信贷双方信息渠道的畅通,成为当前小额信贷必须解决的当务之急。

Due to the influence of traditional culture, the asymmetry of each other’s information and the lack of credit subject caused by the working economy, the microfinance has been restricted in ethnic minority areas. For this reason, promoting the transformation of cultural concepts in minority areas, consolidating the main borrowers in ethnic minority areas and maintaining the smooth flow of information channels between the two sides of credit have become urgent tasks that microcredit must address.