近年来,随着国外小额信贷技术在发展中国家成功经验的推广,我国社会各

界也对小额信贷给予了更多的关注,经过一个阶段的发展,我国农村小额信贷在

缓解农村金融市场的货币供求矛盾、优化农村金融结构等方面已取得了显著的经

济效应。但截至目前,小额信贷的发展仍存在很多问题,难以满足社会经济发展

的要求。为了促进西部落后地区和广大农村区域的经济增长,并将这些地区的低

收入人口纳入经济发展的轨道,使这些地区能够分享到经济增长带来的好处,中

国的农村小额信贷还需要发挥更多、更重要的作用。我们面临的挑战是多方面的,

所以,为推进小额信贷的健康发展,各金融机构要积极为之创造更好的社会环境。

本文将从我国“三农”问题提出的政策背景出发,介绍国内外有关农村小额信贷

的理论解释,阐述有关农村小额信贷定义、作用、发展模式等概念性问题,以兴

安盟地区为例,结合入驻当地第一家股份制商业银行-包商银行近两年的支农业务

盘点兴安盟地区农村小额信贷支农业务发展现状,归纳分析农村小额信贷发展缓

慢的一部分原因,并针对性的提出相对应的建议。

关键词:农业贷款,小额信贷,包商银行,兴安盟

Abstract

In recent years, with foreign micro finance technology successful experience in

developing countries, the social from all walks of life in our country also to

microfmance has given more attention, after a phase of development, China's rural

microfmance in relieve the contradictions of monetary supply and demand of rural

financial market, optimizing the rural financial structure has achieved remarkable

economic effect. But so far, the development of microfmance still exist many problems,

it is difficult to meet the requirements of social and economic development. In order to

promote the backward western regions and the vast rural areas of economic growth, and

the orbit of low-income population into the economic development in these areas, these

areas can share the benefits of economic growth, China's rural microfmance need to

play a more and more important role. Our challenge is various, therefore5 to promote the

healthy development of microfinance,all financial institutions should actively create a

better social environment for it. This article from the SAN nong questions of policy

background, introduces the domestic and foreign theories about rural microfinance, this

paper on rural microfinance conceptual problems such as definition, function,

development mode, with XingAnMeng area as an example, combined into the first

joint-stock commercial bank - contractor's local bank nearly two years of support

agriculture business inventory XingAnMeng rural microfmance support agriculture

business development present situation, the analysis part of the slow development of

rural microfinance reasons, and puts forward corresponding Suggestions.

Key words: agricultural loans, Microfinance. Contractor's bank, XingAnMeng