民族地区农户小额信贷的产生理论与成效分析

我国扶贫工作已进入关键时刻,扶贫攻坚必须落实到村,落实到户,这是由基本解决农村贫困人口问题的目标和现阶段中国农村基本经营制度决定的.小额信贷是一种开发式扶贫,作为一种促进最贫困者物质资本和人力资本形成的一种有效制度,在农村地区的引进和实验,其积极意义是十分明显的.同时,由于农村地区的贫困面大、贫困程度深,内部又存在着自然、经济、文化、民族等方面的巨大差异,小额信贷在西部的推展就不可避免地遇到诸多的矛盾和问题,必须深化改革.

Theories about Microfinance in Ethnic Areas and Its Effects

Microfinance is a means of developing aid of the poverty-stricken area. As an effective system to promote the material and manpower capital of the poorest, microfinance plays an important role in ethnic areas. Meanwhile, because there are a lot of poverty-stricken areas, and the high degree of poverty and the great differences in environment, economy, culture and nationalities, the spread of microfinance may inevitably meet with many problems. Therefore it is necessary to deepen the reform.