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本文通过对商洛市农户小额信用贷款的实证研究,认为:农户小额信用贷款是顺应经济发展规律的制度创新,而不是国家维护安定团结的政策性措施;农户小额信用贷款是促进农村地区经济增长和实现农村信用社扭亏增盈的有效途径,而不是扶贫式的无效投资;当前制约农户小额信用贷款拓展的主要因素是制度本身存在的缺陷和农村信用社曲解政策意图、风险防范行为扭曲,而不是资金匮乏。并提出了相应的政策建议。
Based on the empirical study on small-sum credit loans of farmers in Shangluo City, this paper argues that small-value credit loans of farmers are institutional innovations conforming to the law of economic development, not the state’s policy measures to maintain stability and unity. The small-value credit loans of farmers are the key to promoting rural areas Economic growth and rural credit cooperatives to make up for the deficits and reduce the effective way, rather than the helpless type of ineffective investment; the current constraints of household microfinance loans expansion is the main reason for the existence of the system defects and rural credit cooperatives distort policy intentions, risk prevention behavior Distortions, not the lack of funds. And put forward the corresponding policy recommendations.