本文關鍵詞： 季節(jié)性 AHP模型 微型金融 信貸匹配 金融創(chuàng)新　出處：《云南財經(jīng)大學》2015年碩士論文　論文類型：學位論文

【摘要】：在云南大部分農(nóng)村地區(qū),農(nóng)業(yè)收入仍是農(nóng)民家庭最主要收入之一。受作物生長周期的影響,云南農(nóng)村經(jīng)濟狀況也具有一定的季節(jié)性特征,季節(jié)性貧困現(xiàn)象廣泛存在。近年來微型金融在云南省內(nèi)發(fā)展迅速,規(guī)模不斷的壯大。隨著金融市場化改革的推進,微型金融將迎來又一個發(fā)展的高峰時期。微型金融具有貸款額小,期限靈活,放款快的特征,但云南省微型金融發(fā)展現(xiàn)狀與云南省季節(jié)性現(xiàn)狀并不匹配,不匹配的原因主要是貸款期限不匹配和貸款金額的不匹配。本文在第二章與第三章闡述了有關貧困以及季節(jié)性貧困的相關理論,同時介紹了現(xiàn)階段微型金融的相關技術,然后以三個國家為例,分析并總結(jié)了在三個國家里具有代表性的微型金融機構(gòu)對季節(jié)性貧困的扶持經(jīng)驗。第四章里,本文利用AHP模型對云南省農(nóng)村季節(jié)性經(jīng)濟狀況進行了評價,并依據(jù)模型的分析結(jié)果,對其季節(jié)性貧困形成的原因進行了相應的分析。分析結(jié)果顯示:農(nóng)業(yè)收入與支出,外出務工收入和教育支出為影響農(nóng)村季節(jié)性經(jīng)濟狀況的最主要因素。針對云南農(nóng)村經(jīng)濟狀況季節(jié)性的特征,文章第五章研究了微型金融對農(nóng)村信貸扶持的可行性模式。從事微型金融業(yè)務的金融機構(gòu)可以通過設計創(chuàng)新金融產(chǎn)品的形式對云南的季節(jié)性貧困提供貸款金額,貸款期限都較為匹配的信貸產(chǎn)品。
[Abstract]:In most rural areas of Yunnan, agricultural income is still one of the most important incomes of peasant families. Affected by crop growth cycles, the rural economic situation in Yunnan also has seasonal characteristics. The phenomenon of seasonal poverty is widespread. In recent years, micro-finance has developed rapidly in Yunnan Province, and the scale has been constantly growing. With the development of financial marketization reform, Microfinance will usher in another peak period of development. Microfinance has the characteristics of small loan amount, flexible maturity and fast lending. However, the current development situation of micro-finance in Yunnan Province does not match the seasonal situation in Yunnan Province. The mismatch is mainly caused by the mismatch of loan term and loan amount. In the second and third chapters, the relevant theories of poverty and seasonal poverty are expounded, and the relevant technologies of microfinance are introduced. Then taking three countries as an example, this paper analyzes and summarizes the experience of supporting seasonal poverty by representative micro-financial institutions in three countries. In Chapter 4th, this paper uses AHP model to evaluate the seasonal economic situation in rural areas of Yunnan Province. According to the analysis results of the model, the causes of seasonal poverty are analyzed. The results show that: agricultural income and expenditure, Income from migrant workers and expenditure on education are the most important factors affecting the seasonal economic situation in rural areas. Chapter 5th studies the feasibility model of micro-finance for rural credit support. Financial institutions engaged in micro-finance can provide loans to Yunnan's seasonal poverty by designing innovative financial products. Loan maturities are more matched credit products.
【學位授予單位】：云南財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F323.89;F832.4

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本文編號：1511219