摘要:农村小额信贷在我国农村经济发展中日益加快，弥补了农村金融市场各项不足，加速了农村经济发展，提高了农民的生活水平。但目前国内农民对农村小额信贷的认识程度不足、知识面欠缺，农村小额信贷的推广运作在不同地区遭受到了各种不同程度的阻碍。因此对农村小额信贷发展的研究具有重要意义。

　　　本文以研究江苏省农村小额信贷发展的制约因素及对策为导向。首先，介绍问题提出的背景和意义以及国内外研究现状，其次，在简单回顾我国农村小额信贷发展现状的同时，主要就江苏省农村小额信贷业务开展现状进行探讨分析，即对江苏省发展农村小额信贷的外部环境、信贷业务的经营主体和资金的规定用途以及其实际开展情况进行了分析说明。然后，针对江苏省农村小额信贷业务开展存在的问题进行分析，比如政府的行政干预行为、利率缺乏弹性、小额信贷资金还款率不如人意、资金来源缺乏、贷款程序复杂问题、信贷风险高；产品内容单一和信贷人员业务素质偏低等问题。最后根据其制约因素，提出了相应的对策建议，如明晰政府的行为、增强农户的还款意识、创新金融产品及提高相关人员的业务素质等。总之，本文期望通过分析能够帮助弥补江苏省农村金融功能缺陷、引导农村小额信贷的规范发展、提升农村金融服务水平等，从而促进新型农村金融在江苏省、以及全国范围内顺利、快速发展。

关键词 农村小额信贷；金融创新；制约因素；可持续利率

Abstract:Rural microfinance in the development of China's rural economy is accelerating, compensate for the lack of rural financial markets, to accelerate the development of the rural economy, improve farmers' living standards. But the current level of awareness of domestic farmers to micro-credit in rural areas lack of knowledge lack of promotion of rural micro-credit operations in different regions suffered various degrees of obstruction. Therefore, development of rural micro-credit is important.

　　　Constraints and countermeasures to study the Rural Microfinance Development in Jiangsu Province as a guide. First to introduce the background and significance of issues and research situation, a brief review of the Rural Microfinance Development of the main on the Present Situation of the rural micro-credit business in Jiangsu Province to discuss analysis, namely the development of Jiangsu Province the external environment of the rural micro-credit, the credit operations of business entities and the provisions of use of funds and its actual conduct analysis shows. Then the problems for rural microfinance business in Jiangsu Province to carry out analysis, such as the government's administrative intervention, interest rates, lack of flexibility, microfinance capital repayment rate is not satisfactory, the lack of funding sources and the complexity of the loan program, credit risk ;product content single and credit professional quality low. Finally, according to its constraints, the corresponding countermeasures and suggestions, such as clear that the government acts to enhance the awareness of farmers repayment, innovative financial products and improve the professional quality of staff. In short, this article intends to help by analyzing the make up of rural finance function defects in Jiangsu Province, to guide the normal development of microfinance in rural areas, improve rural financial services, thereby promoting new rural financial smoothly, and the rapid development in Jiangsu Province, as well as nationwide.

Keywords  Rural microfinance   Financial Innovation   Constraints    Sustainable Rate