论文部分内容阅读
犦借贷难,是长期困扰中国农民的一个难题。中国人民银行于1999年下发了《农村信用合作社农户小额信用贷款管理暂行办法》。2000年初又下发了《农村信用合作社农户联保贷款管理指导意见》,以指导和规范“小额农贷”,次年12月,戴相龙行长在“总结推广农村信用社座谈会”上讲话,要求贯彻人民银行制定的《农村信用社农户小额信用贷款管理指导意见》,在全国全面推广农户小额信用贷款业务。近年来,各地人民银行积极组织和引导农村信用社把握为“三农”服务的市场定位,大力开展小额农贷业务;农村信用社坚定“三农”服务方向,纷纷开办小额农贷,提高农村金融服务水平。农户小额信用贷款是指农信社基于农户的信誉,在核定的额度和期限内向农户发放的不需抵押、担保的贷款,具体额度,由各地农信社、县(市)联社根据当地农村经济的实际状况、农户生产经营的收入和农信社资金状况等具体确定。中国人民银行规定,农户小额信用贷款利率可以按中国人民银行公布的贷款基准利率和浮动幅度适当优惠。当前,全国有不少农村信用社尝试简化贷款手续,开办农户小额信用贷款,方便农民借贷,取得了良好的成效。实践证明:大力开办小额农贷,这是一条推动农村经济发展和实现信用社自身发展的双赢道路,是一件一举双赢、一棋双活的大好事。一?
犦 Loans difficult, is a long-standing problem for Chinese farmers. In 1999, the People’s Bank of China issued the Interim Measures for the Management of Microfinance Loans for Farmers in Rural Credit Cooperatives. In early 2000, it issued the Guidance Opinion on Rural Credit Cooperatives’ Joint Guarantee Loans Management to Guide and Regulate “Small-sum Agricultural Loan”. In December of the following year, President Dai Xianglong made a speech on “Summarizing the Forum of Rural Credit Cooperatives” , Requiring the implementation of the “Guidelines for the Management of Rural Credit Cooperatives’ Microfinance Loans” formulated by the People’s Bank of China and comprehensively promoting the microfinance loans to farmers in the country. In recent years, PBOCs have been actively organizing and guiding RCCs to grasp the market positioning for serving “agriculture, rural areas and farmers” and vigorously developing small-sum rural credit loans. As rural credit cooperatives have firmly adhered to the service direction of “agriculture, rural areas and farmers”, they have started small- Improve the level of rural financial services. The micro-credit loans of rural households refer to the unsecured and guaranteed loans granted by rural credit cooperatives to rural households within the approved quotas and deadlines based on the credibility of rural credit cooperatives. The specific quotas are set by local RCCs, counties (cities) The actual situation of the rural economy, the income of farmers in production and management and the status of funds of rural credit cooperatives and other specific identified. The People’s Bank of China stipulates that the interest rates for small-sum credit loans of farmers can be appropriately discounted according to the benchmark lending rates and floating rates announced by the People’s Bank of China. At present, many rural credit cooperatives in the country have tried their best to simplify the loan procedures, set up small-scale credit loans for farmers and make it easy for farmers to borrow and lend money, and achieved good results. Practice has proved that vigorously opening a small amount of rural credit loans is a win-win path for promoting rural economic development and realizing the credit cooperatives’ own development. It is a good thing to win win-win situations and achieve mutual benefits. one?