摘要
中国农村小额信贷作为推动农村经济发展和农民脱贫致富的重要金融工具，在乡村振兴战略背景下具有重要意义。本研究旨在探讨影响中国农村小额信贷可持续发展的关键因素，通过文献综述与实地调研相结合的方法，选取典型农村地区为样本，运用定量分析与定性分析相融合的方式，构建多元回归模型进行实证检验。研究发现，政策支持度、金融机构服务能力、农户信用意识及市场需求匹配度是影响小额信贷可持续发展的主要因素。其中，政府政策的精准扶持对小额信贷发展起着导向性作用；金融机构的服务创新能力和风险管理水平直接影响信贷供给质量；而农户自身的信用建设与需求特征则决定了信贷资金的有效利用程度。本研究创新性地将供给侧与需求侧因素纳入统一分析框架，并首次提出“信用生态链”概念，强调在小额信贷发展中应构建以政府为主导、金融机构为主体、农户积极参与的良性互动机制，为优化农村金融环境提供理论依据，也为相关政策制定者完善小额信贷制度体系提供了参考借鉴。
关键词：农村小额信贷；政策支持度；金融机构服务能力；农户信用意识；市场需求匹配度
Abstract
Microfinance in rural China plays a crucial role as a financial instrument for promoting rural economic development and poverty alleviation, gaining significant importance under the backdrop of the Rural Revitalization Strategy. This study aims to investigate the key factors influencing the sustainable development of rural microfinance in China by integrating literature review with field research, selecting typical rural areas as samples, and employing a combined approach of quantitative and qualitative analysis to construct a multiple regression model for empirical testing. The findings reveal that policy support, service capacity of financial institutions, farmers' credit awareness, and market demand alignment are the primary factors affecting the sustainable development of microfinance. Among these, targeted government policies play a guiding role in microfinance development; the service innovation and risk management capabilities of financial institutions directly impact the quality of credit supply; while farmers' own credit construction and demand characteristics determine the effective utilization of credit funds. Innovatively, this study incorporates supply-side and demand-side factors into a unified analytical fr amework and introduces the concept of a "credit ecosystem chain" for the first time, emphasizing the need to establish a virtuous interaction mechanism led by the government, with financial institutions as the main body and active participation from farmers, providing theoretical support for optimizing the rural financial environment and offering valuable references for policymakers to improve the microfinance system.
Keywords：Rural Microfinance; Policy Supportiveness; Financial Institution Service Capacity; Farmer Credit Awareness; Market Demand Compatibility
目 录
摘要 I
Abstract II
一、绪论 1
(一) 中国农村小额信贷发展背景 1
(二) 研究意义与价值分析 1
(三) 国内外研究现状综述 1
(四) 研究方法与技术路线 2
二、农村小额信贷供给主体分析 2
(一) 金融机构参与度评估 2
(二) 政府政策支持力度 3
(三) 非营利组织作用探讨 3
(四) 供给主体间协作机制 4
三、农村小额信贷需求特征研究 5
(一) 农户信贷需求动机 5
(二) 不同地区需求差异 5
(三) 信贷资金用途分析 6
(四) 需求满足程度评价 6
四、可持续发展影响因素剖析 7
(一) 利率定价合理性 7
(二) 风险控制有效性 8
(三) 信用体系建设 8
(四) 外部环境影响因素 9
结 论 11
参考文献 12
