民族地区发展小额信贷的经济学思考

减缓民族地区贫困,实现各民族经济共同发展始终是中国政府的重点工作之一。农户小额信用贷款是解决民族地区农民贷款难、促进农民增收的有效制度安排,发展民族地区小额农贷具有极强的公共性和外部性。金融机构资金来源不足,小额农贷利率扭曲,小额农贷市场结构的垄断性,小额农贷的高风险等因素限制了民族地区小额农贷的发展。为此采取的对策:完善资金供给机制,实现利率市场化,加大政府支持力度,建立竞争性小额农贷市场结构。

On the Small Fiduciary Loans to the Farmers in the Minority Areas from the Perspective of Economics

One of the focuses of the Chinese Government is the poverty-eradication in the minority areas and the balanced economic development for all ethnic groups. The small fiduciary loans to the farmers is a good means to help them increase their incomes, which has its clear public and external traits. However, the insufficient loans from the banks, the unreasonable interests, the monopoly of the loan-market and high risks have hindered the development of these loans. The possible solutions are the improvement of the supply mechanism of loans, the market-dominated interests, better government's support and the establishment of a market structure with the trait of competitiveness for such loans.