国际债务危机及欧债影响下我国温州民间小额信贷问题.doc

摘要:我国的小额信贷已经有很多年的历史了，并且其对于我国基层人民的脱贫致富起着非常重要的作用。但是，我国的小额信贷在实施的过程中存在着不少问题以至于引起了严重的社会问题，像管理成本与利率水平不匹配，行政干预过高，小额贷款回收率低，补偿政策不到位等等。我国应针对这一系列的问题作出相应的调整方案和改革措施。例如完善政策补偿机制，建立风险保障机制和规避风险，实行灵活利率并强化信贷管理。通过加强小额信贷机制的建设和政策调整及管理机制的优化使中小企业能够更好的长足发展。总之，在完善过程中，我们应该借鉴国外成功经验，再结合我国特有的国情来建立并发展我国小额贷款模式，大力发展农村，统筹城乡规划，促进经济的稳步提升。

关键词: 小额信贷,可持续发展,解决方案

Abstract:Microfinance in China has a long history, and its grass-roots poverty of the people in China played a very important role. However, microfinance in China there are a lot of problems in the implementation process that has caused serious social problems, like management costs and interest rates do not match, administrative intervention is too high, microfinance low recovery rate, compensation policies are not in place, and so on.  These issues in our country are to make the necessary adjustment program and reforms. Such as improving the compensation mechanism for policy, establishment of risk protection mechanisms and avoid risks, flexible interest rates and strengthening credit management. By strengthening micro-credit system construction and policy adjustment and optimization of the management mechanism to enable SME’ s to better development. In short, in the process of improving, we should draw lessons from successful experiences in foreign countries, coupled with China's specific national conditions to the establishment and development of China's microfinance model, greatly develop rural, urban and rural planning, promote economic steady.

Key Words：microfinance, Sustainable development, solutions

民间借贷是一把双刃剑。在温州，由于包括城市信用社和农村信用社在内的整个正规金融体系基本都不是民营企业解决资金的主要融通途径，正泰、康奈等知名企业在创业初期都是靠自筹和民间借贷资金发展起来的，所以不能抹杀民间借贷市场的积极作用。然而，要想促进民间借贷市场合法、健康、有序地发展，离不开政府的积极、稳妥、正确引导，大力监督和有效规范，从而保证民间借贷市场真正发挥作为过剩的流动性防洪蓄水的资金“池子”的职能，为中国经济从当前靠政府投资的外向拉动转化为靠民间自发投资的内生性增长方式提供有效的平台。