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2007年1月20日闭幕的全国金融工作会议为我国农村金融改革搭建了一个整体框架,即构建一个多层次、广覆盖、可持续的农村金融体系,这意味着在新一轮金融改革中,农村金融改革将是重中之重。我国农业人口众多,贫困人口仍有数千万,因此,放宽农村金融准入,发展小额信贷对改善城乡间,不同地区间和不同阶层的收入分配,创造就业机会,建设社会主义新农村以及构建社会主义和谐社会,有着极其重要的意义,本文着重探讨小额信贷在我国农村的发展。
The conclusion of the National Financial Work Conference on January 20, 2007 set an overall framework for rural financial reform in our country, that is, to build a multi-level, broad-based and sustainable rural financial system. This means that in the new round of financial reform, Rural financial reform will be the top priority. With a large agricultural population and tens of millions of poor people in our country, the easing of access to rural finance and the development of microcredit have played an important role in improving the income distribution between urban and rural areas, between different regions and across different sectors, creating employment opportunities and building a new socialist countryside. The construction of a harmonious socialist society has an extremely important meaning. This article focuses on the development of rural microfinance in China.