民族贫困地区农信社推行农户小额信贷的实证分析

民族贫困地区大力推广以农村信用社为主体,以农户小额信贷为手段的扶贫资金的投入方式对于提高当地农民收入和优化当地农业产业结构意义重大。本文通过实地调研,总结了武陵山区恩施土家族苗族自治州农村信用社开展农户小额信贷的基本做法和成效,指出了目前存在的主要问题并对其原因进行了分析,然后在此基础上对民族贫困地区农信社进一步发展农户小额信贷提出了一些对策建议。

Empirical Study on RCC's Microfinance in Minority Poverty Area

It is significant for increasing farmers' income and improving argriculture industrial structure to popularize the microfinance of Rural Credit Cooperatives(abbreviated to RCC)in minority poverty areas.On the basis of spot investigation,this paper sums up the basic operation and performances of RCC's microfinance in Enshi Autonomous Prefecture,it points out some problems existed yet in the popularizing process,it analyzes the reasons and then puts forwards some countermeasures.