【摘要】：本文旨在通過小額信貸理論的應(yīng)用來分析我國農(nóng)村小額信貸市場(chǎng)的發(fā)展現(xiàn)狀，重點(diǎn)是對(duì)我國現(xiàn)有的四種小額信貸模式進(jìn)行了比較分析，指出存在的若干共性問題，然后提出相應(yīng)的對(duì)策建議，以促進(jìn)小額信貸在中國的健康可持續(xù)發(fā)展。本文從經(jīng)濟(jì)學(xué)結(jié)合管理學(xué)的研究視角出發(fā)，通過采用局部均衡分析法、對(duì)比分析法、靜態(tài)分析與動(dòng)態(tài)分析相結(jié)合等研究方法，基于農(nóng)村小額信貸發(fā)展現(xiàn)狀的闡述，從政府、小額信貸運(yùn)營機(jī)構(gòu)和農(nóng)戶三個(gè)角度剖析了當(dāng)前發(fā)展遇到的共性問題，同時(shí)總結(jié)了國際上其他發(fā)展中國家在小額信貸發(fā)展方面取得的成功經(jīng)驗(yàn)。 通過研究發(fā)現(xiàn)：作為一種新型的農(nóng)村金融工具，小額信貸的確是一種有效的信貸配給方式，尤其是對(duì)于發(fā)展中國家來說，小額信貸解決了農(nóng)村部分“貸款難”和“難貸款”等問題，，促進(jìn)了農(nóng)村經(jīng)濟(jì)的發(fā)展。該模式下能夠保證信貸資金有效到達(dá)真正貧困農(nóng)戶手中，且能保證高的還款率。經(jīng)過二十余年的發(fā)展實(shí)踐，我國農(nóng)村小額信貸市場(chǎng)已經(jīng)初步形成多種組織機(jī)構(gòu)共同參與、受益群體多樣化、制度設(shè)計(jì)各有側(cè)重的多種模式共存的多元化格局。但由于政府定位不清晰、信用體系不完善、風(fēng)險(xiǎn)控制機(jī)制不健全等原因，我國的小額信貸發(fā)展面臨著可持續(xù)發(fā)展的難題。 要解決當(dāng)前存在的一系列問題，實(shí)現(xiàn)政府、小額信貸機(jī)構(gòu)和農(nóng)民三者的“共贏”局面，須借鑒國際上小額信貸發(fā)展取得的寶貴經(jīng)驗(yàn)，并結(jié)合我國具體國情和發(fā)展現(xiàn)狀，進(jìn)而提出切實(shí)可行的政策建議。本文經(jīng)研究后提出的具體措施有：建立和完善相關(guān)的法律法規(guī)，使小額信貸機(jī)構(gòu)的法律地位明確化、合法化；推進(jìn)農(nóng)村信用體系建設(shè)，來促進(jìn)良好信用環(huán)境的形成，保護(hù)債權(quán)人利益；完善信貸機(jī)構(gòu)內(nèi)部管理機(jī)制，提高工作效率，以實(shí)現(xiàn)機(jī)構(gòu)自身的可持續(xù)發(fā)展。
[Abstract]:The purpose of this paper is to analyze the current situation of the development of the rural microfinance market in China through the application of microfinance theory, focusing on the comparative analysis of the four existing microfinance models in China, and pointing out some common problems. Then put forward the corresponding countermeasures and suggestions to promote the healthy and sustainable development of microfinance in China. In this paper, from the perspective of economics and management, through the use of local equilibrium analysis, comparative analysis, static analysis and dynamic analysis of research methods, based on the development of microfinance in rural areas, from the government, This paper analyzes the common problems encountered in the current development from the perspectives of microfinance operators and farmers, and sums up the successful experiences of other developing countries in the development of microfinance in the world. As a new type of rural financial instrument, microcredit is indeed an effective way of credit rationing, especially for developing countries. Microfinance solves the problems of "loan difficulty" and "difficult loan" in rural areas, and promotes the development of rural economy. This model can guarantee the credit funds to reach the real poor farmers effectively, and can guarantee the high repayment rate. After more than 20 years' development practice, the rural micro-credit market in our country has initially formed a pluralistic pattern in which a variety of organizations and institutions participate together, the beneficiary groups are diversified, and the system design has its own emphasis on the coexistence of various modes. However, the development of micro-credit in China is faced with the problem of sustainable development due to the lack of clear government position, imperfect credit system and imperfect risk control mechanism. In order to solve a series of existing problems and realize the win-win situation among the government, microfinance institutions and farmers, we must draw lessons from the valuable experience gained in the development of microfinance in the world, and combine with the specific conditions and development situation of our country. And then put forward practical policy recommendations. The specific measures proposed in this paper are: establishing and perfecting relevant laws and regulations, making the legal status of microfinance institutions clear and legalized, promoting the construction of rural credit system to promote the formation of a good credit environment, To protect the interests of creditors, to perfect the internal management mechanism of credit institutions, to improve the working efficiency, and to realize the sustainable development of the institutions themselves.
【學(xué)位授予單位】：河南師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.43

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 汪三貴;李瑩星;;印尼小額信貸的商業(yè)運(yùn)作[J];銀行家;2006年03期

2 鄧海東;卓建偉;;農(nóng)村小額信貸的市場(chǎng)化運(yùn)作及其利率區(qū)間[J];貴州農(nóng)業(yè)科學(xué);2009年03期

3 湯敏;從國外經(jīng)驗(yàn)看我國當(dāng)前農(nóng)村信用社小額信貸的發(fā)展問題[J];中國審計(jì);2003年08期

4 茅于軾;;興辦小額貸款的幾點(diǎn)經(jīng)驗(yàn)[J];農(nóng)村金融研究;2006年02期

5 鄭喬;;印尼人民銀行小額信貸的做法與啟示[J];農(nóng)村金融研究;2010年05期

6 陳浪南,謝清河;我國小額信貸研究[J];農(nóng)業(yè)經(jīng)濟(jì)問題;2002年03期

7 徐忠;袁國良;;中國非政府組織小額信貸的實(shí)踐與評(píng)價(jià)[J];上海金融;2007年03期

8 賈慶林;;國外兩種典型小額信貸模式的比較分析[J];特區(qū)經(jīng)濟(jì);2010年10期

9 孫淑芬;;解決農(nóng)戶融資難的博弈論分析[J];中國農(nóng)村金融;2011年05期

10 孫若梅;;小額信貸在農(nóng)村信貸市場(chǎng)中作用的探討[J];中國農(nóng)村經(jīng)濟(jì);2006年08期

相關(guān)博士學(xué)位論文 前1條

1 周遲;小額貸款公司的發(fā)展模式細(xì)分及效益評(píng)價(jià)[D];北京交通大學(xué);2013年

本文編號(hào)：2216973