【正文】 .....................5 市場競爭體制尚未形成 ....................................................5 資金緊張 ................................................................5 貸款對象盲目擴(kuò)張有悖于小額信貸初衷 ......................................5 不能機(jī)械化規(guī)定貸款額度和期限 ............................................6 保障機(jī)制缺失 ............................................................6 管理困境 ................................................................64 發(fā)展我國農(nóng)村小額信貸的建議 .......................................................................................7 建立以農(nóng)村信用社和郵政儲蓄的小額信貸載體 ................................7 確保資金來源，保證充足的后續(xù)資金 ........................................7 建立全面的小額信貸發(fā)放體系 .........................................7 建立多元化融資渠道 .................................................7 嚴(yán)格要求農(nóng)村小額貸款對象和用途 ..........................................7 提高貸款額度，合理規(guī)定貸款期限 ..........................................8 控制小額信貸風(fēng)險，完善保障保險制度 ......................................8 完善農(nóng)戶小額信用貸款內(nèi)部控制制度 ...................................8 央行加強(qiáng)監(jiān)督工作引導(dǎo)鄉(xiāng)鎮(zhèn)銀行發(fā)揮自身優(yōu)勢 ...........................9 借鑒國際小額貸款的方法 .............................................9 營造良好的宏觀政策環(huán)境，完善、創(chuàng)新組織機(jī)制，提高部門管理效率 ............9結(jié) 論 ........................................................................................................................10參考文獻(xiàn) ........................................................................................................................11致 謝 ........................................................................................................................12聲 明 ........................................................................................................................131 引言 課題背景小額信貸從國際流行觀點看，是指專向中低收入階層提供小額度的持續(xù)的信貸服務(wù)活動。 small loans。s economy continues to present a stable and healthy sustainable and prehensive development, harmonious society, which is undoubtedly the most critical rural issues. Support for rural finance is the impact of economic stability in rural areas, agricultural development and farmers ine balance the key factors. China39。從國內(nèi)農(nóng)村小額貸款問題總結(jié)的經(jīng)驗和國外農(nóng)村信貸的相關(guān)政策得出規(guī)避風(fēng)險、完善監(jiān)督制度利率開放等相關(guān)措施，更好的促進(jìn)農(nóng)村小額貸款的發(fā)展，促進(jìn)農(nóng)村經(jīng)濟(jì)的飛速發(fā)展。農(nóng)村小額貸款是我國農(nóng)村經(jīng)濟(jì)發(fā)展的重要資金供給途徑，隨著農(nóng)村小額貸款的進(jìn)行，這項工程也面臨著日益突出的問題，政府干預(yù)、貸款利率受限、缺少監(jiān)管等開始出現(xiàn)并且成為阻礙農(nóng)村小額貸款進(jìn)一步發(fā)展的障礙。分類號： U D C：D10621402(2022)46370密 級：公 開 編 號：2022242023淺析我國農(nóng)村小額信貸存在的問題論文作者姓名： 李學(xué)躍申請學(xué)位專業(yè)： 金融工程申請學(xué)位類別： 經(jīng)濟(jì)學(xué)學(xué)士指 導(dǎo) 教 師 姓 名 （ 職 稱 ） ： 周蓉（副教授）論文提交日期： 2022 年 05 月 28 日淺析我國農(nóng)村小額信貸存在的問題摘 要當(dāng)今中國經(jīng)濟(jì)持續(xù)穩(wěn)定健康的可持續(xù)全面發(fā)展、和諧社會的構(gòu)建，其中最為關(guān)鍵的無疑是三農(nóng)問題。而農(nóng)村金融的支持力度是影響農(nóng)村經(jīng)濟(jì)穩(wěn)定、農(nóng)業(yè)發(fā)展平衡和農(nóng)民收入增加的關(guān)鍵因素。從國外農(nóng)村小額信貸的成功經(jīng)驗來看,國家必須在法律制度上給予充分保障,在政策和財力方面給予支持和扶助,允許小額信貸利率在規(guī)定幅度范圍內(nèi)浮動,還要切實發(fā)揮政府對小額信貸的組織和引導(dǎo)作用,保證我國農(nóng)村小額信貸的健康發(fā)展。關(guān)鍵詞：三農(nóng)問題；小額貸款；農(nóng)村經(jīng)濟(jì)；健康發(fā)展Analysis of the problems of rural microcreditAbstractChina39。s rural microloans are an important rural economic development means the supply of funds, with the rural microloans to the conduct of the project is also facing growing problem, government intervention, interest rate limited, unregulated and so began to appear and bee Hinder the further development of rural microcredit obstacles. From abroad, the success of rural microcredit experience, the State must provide adequate protection in the legal system, policy and financial resources in the support and assistance to allow microcredit interest rate