农业展望2024，Vol.20Issue(12)：3-10,8.
中国扶贫小额信贷支农发展历程、问题及对策
Development Process,Problems and Countermeasures of Small Loans for Poverty Alleviation for Agriculture,Rural Areas,and Farmers in China
摘要
Abstract
Small loans for poverty alleviation play an important role in winning the great victory of poverty alleviation in China,and is also an important financial support measure for agriculture in the new era to promote rural revitalization and the great new journey towards common prosperity.China's small loans for poverty alleviation agricultural support has roughly experienced five stages:initial exploration period(1981-1992),pilot operation period(1993-1996),expansion and development period(1996-2005),exploration and optimization period(2005-2016),and promotion and adjustment period(since 2017).At present,small loans for poverty alleviation for agriculture,rural areas,and farmers in China is increasingly mature,standardized and orderly in the operation of supporting agriculture,but in the face of the new situation and new development requirements,there are some problems in the practice of small loans for poverty alleviation supporting agriculture,rural areas,and farmers,such as microfinance risk and bad debt,supply and farmers'demand are not closely connected,and service system and technical support construction are insufficient.In order to promote the connotation and high-quality development of small loans for poverty alleviation in China,and better serve the rural revitalization in the post-poverty era to achieve the development goal of common prosperity,it is necessary to further:innovate the combination mechanism of industry and finance,improve the mechanism of poverty alleviation and poverty reduction,and effectively avoid the deviation of small loans for poverty alleviation goals;strengthen scientific and technological support and training,innovate risk management methods,and reduce the risk of small loans for poverty alleviation management;improve the supply of micro-credit policies,accurately match the needs of farmers,and effectively link up with the new stage of rural revitalization and development.关键词
扶贫小额信贷/支农助农/产融结合/优化路径Key words
small loans for poverty alleviation/support agriculture/integration of industry and finance/optimizing route引用本文复制引用
陈思,易智敏,肖斐..中国扶贫小额信贷支农发展历程、问题及对策[J].农业展望,2024,20(12):3-10,8.基金项目
国家社科基金一般项目"风险规避视角下农户小额信贷'户贷企用'的形成机理及政策优化研究"(23BJY161) （23BJY161）
教育部人文社会科学研究青年基金"风险偏好与农户小额信贷的'自我排斥'研究"(22YJC790014) （22YJC790014）
广东省哲社基金项目"农户风险规避、小额信贷目标偏移与政策优化研究"(GD21YYJ13) （GD21YYJ13）
广东省哲社基金项目(GD23WTC04) （GD23WTC04）
广州市哲社基金项目(2020GZGJ76) （2020GZGJ76）
