【摘要】：海南省自從建省以來,國民經(jīng)濟取得了較大發(fā)展。但是農(nóng)村經(jīng)濟增長緩慢,上世紀(jì)90年代以來,農(nóng)民收入增長率持續(xù)下降,2001年農(nóng)民收入增長率僅為2.3%,達到建省來歷史最低水平。城鄉(xiāng)居民收入差距不斷拉大,據(jù)統(tǒng)計,2009年農(nóng)民年人均純收入為2875元,相當(dāng)于城鎮(zhèn)居民年人均可支配收入的31.9%。農(nóng)村經(jīng)濟的發(fā)展制約了海南省經(jīng)濟的發(fā)展,“三農(nóng)”問題一直是困擾海南省經(jīng)濟發(fā)展的一個重大難題。 長期以來,農(nóng)村小額信貸的發(fā)展與農(nóng)民收入增長的關(guān)系一直是人們廣泛關(guān)注的問題,但是以往的研究是處在國家層次上的,而本文主要以海南農(nóng)村為研究對象,研究農(nóng)村小額信貸體系的發(fā)展對農(nóng)民收入增長的影響以及農(nóng)村小額信貸體系發(fā)展中的相關(guān)問題。 本文深入研究海南農(nóng)村小額信貸業(yè)務(wù)發(fā)展?fàn)顩r的相關(guān)指標(biāo),并在此基礎(chǔ)上對農(nóng)村小額信貸體系的發(fā)展和農(nóng)民收入增長的關(guān)系進行實證分析。在本文中,通過規(guī)范分析和實證分析相結(jié)合的方法,根據(jù)研究的關(guān)鍵問題,進行了調(diào)查和實地采訪,由縱向和橫向比較數(shù)據(jù)處理來說明問題。通過分析事實,和進行邏輯推理,定性與定量,理論和實踐相結(jié)合。還包括相關(guān)分析和回歸分析的統(tǒng)計方法的使用。 本文分析了農(nóng)村小額信貸的一些基本原理,包括農(nóng)村小額信貸的理論基礎(chǔ)、農(nóng)村小額信貸的構(gòu)成要素、農(nóng)村小額信貸的成本分析、農(nóng)村小額信貸的風(fēng)險分析。介紹了國際上、中國和海南省的農(nóng)村小額信貸的發(fā)展?fàn)顩r和存在的問題,如海南農(nóng)村小額信貸發(fā)管理機制不完善、農(nóng)民認(rèn)識存在偏差,以及缺乏競爭機制等等。本文深入研究了海南省農(nóng)村信用社的發(fā)展情況、基本模式,提出了海南省農(nóng)村信用社的改革發(fā)展思路,最后對如何完善我國農(nóng)村小額信貸提出了相應(yīng)建議,如優(yōu)化貸款流程、加強內(nèi)部控制、優(yōu)化農(nóng)村信用環(huán)境等。
[Abstract]:Since the establishment of Hainan Province, the national economy has made great progress. However, the growth rate of rural economy is slow. Since the 1990s, the growth rate of farmers' income has continued to decline. In 2001, the growth rate of farmers' income was only 2.3%, the lowest level in the history of the province. The income gap between urban and rural residents is widening. According to statistics, the per capita net income of farmers in 2009 was 2875 yuan, equivalent to 31.9 percent of the annual per capita disposable income of urban residents. The development of rural economy restricts the economic development of Hainan Province, and the problem of "agriculture, countryside and farmers" has always been a major problem perplexing the economic development of Hainan Province. For a long time, the relationship between the development of rural microcredit and the growth of farmers' income has been widely concerned, but the previous research is at the national level, and this paper mainly takes Hainan rural areas as the research object. This paper studies the influence of the development of rural microcredit system on farmers' income growth and the related problems in the development of rural microcredit system. This paper deeply studies the relevant indicators of the development of rural microcredit business in Hainan, and on this basis, makes an empirical analysis on the relationship between the development of rural microcredit system and the growth of farmers' income. In this paper, through the combination of normative analysis and empirical analysis, according to the key issues of the study, the investigation and field interviews are carried out, and the vertical and horizontal comparative data processing is used to illustrate the problem. Through the analysis of facts, and logical reasoning, qualitative and quantitative, theory and practice combined. It also includes the use of statistical methods of correlation analysis and regression analysis. This paper analyzes some basic principles of rural microcredit, including the theoretical basis of rural microcredit, the constituent elements of rural microcredit, the cost analysis of rural microcredit, and the risk analysis of rural microcredit. This paper introduces the development and existing problems of rural microcredit in China and Hainan Province, such as the imperfect management mechanism of rural microcredit in Hainan, the deviation of farmers' understanding, and the lack of competition mechanism, and so on. This paper deeply studies the development and basic mode of rural credit cooperatives in Hainan Province, puts forward the reform and development ideas of rural credit cooperatives in Hainan Province, and finally puts forward some corresponding suggestions on how to improve rural microcredit in China, such as optimizing the loan process. Strengthen internal control, optimize rural credit environment and so on.
【學(xué)位授予單位】：海南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4

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