本文選題：小額信貸 + 小額信貸保險(xiǎn)　； 參考：《中南林業(yè)科技大學(xué)》2013年碩士論文

【摘要】：小額信用貸款是一種小規(guī)模的金融服務(wù)方式,它以城鄉(xiāng)低收入階層為服務(wù)對(duì)象。小額信用貸款主要通過(guò)金融服務(wù)的方式,為農(nóng)村低收入群眾以及小規(guī)模企業(yè)提供自主就業(yè)和自主發(fā)展的機(jī)會(huì),并且通過(guò)這種方式,促進(jìn)它們走向自主生存和發(fā)展。小額信用貸款是一種金融服務(wù)方式的創(chuàng)新,同時(shí)也是一種扶貧的重要手段。小額信貸保險(xiǎn)是保險(xiǎn)公司在銀行向農(nóng)戶發(fā)放小額貸款時(shí)專為貸款農(nóng)戶提供的意外傷害或定期人身保險(xiǎn),一般涵蓋意外傷害身故或疾病身故責(zé)任。作為一個(gè)新興的農(nóng)村金融品類,小額信貸保險(xiǎn)是“銀行保險(xiǎn)化,保險(xiǎn)銀行化”趨勢(shì)的典型代表,是保險(xiǎn)公司大舉進(jìn)入農(nóng)村保險(xiǎn)市場(chǎng)的橋頭堡。現(xiàn)階段小額保險(xiǎn)還有從農(nóng)村走向城市的發(fā)展趨勢(shì)。我們國(guó)家改革的歷程首先從農(nóng)村起步、率先在農(nóng)村突破,而改革開(kāi)放又推動(dòng)農(nóng)村發(fā)生翻天覆地的巨變。當(dāng)前,我國(guó)經(jīng)濟(jì)的發(fā)展正處于轉(zhuǎn)型階段,農(nóng)村經(jīng)濟(jì)發(fā)展關(guān)系到改革的成敗,而農(nóng)村發(fā)展的核心問(wèn)題在于生產(chǎn)效率和分配公平的協(xié)調(diào),小額信貸可以同時(shí)達(dá)到這兩個(gè)目的。發(fā)展農(nóng)村小額信貸保險(xiǎn)是突破小額信貸瓶頸的一項(xiàng)重要措施。在廣闊的云南農(nóng)村金融市場(chǎng),小額信貸是一種新興的金融服務(wù)形勢(shì),小額信貸保險(xiǎn)的出現(xiàn)無(wú)疑為銀行規(guī)避發(fā)放貸款風(fēng)險(xiǎn),也為農(nóng)戶從事農(nóng)業(yè)生產(chǎn)工作起到了非常重要的保障作用。本文從小額信用貸款,云南小額信貸保險(xiǎn)的類型、特征、業(yè)務(wù)模式和當(dāng)前存在的問(wèn)題等幾個(gè)方面進(jìn)行調(diào)查研究,通過(guò)典型調(diào)查和抽樣調(diào)查相結(jié)合的調(diào)查統(tǒng)計(jì)方式進(jìn)行數(shù)據(jù)分析,進(jìn)而切合實(shí)際的對(duì)云南小額信貸保險(xiǎn)發(fā)展提出相應(yīng)的對(duì)策和建議。
[Abstract]:Small-scale credit loan is a small-scale financial service, which is aimed at urban and rural low-income class. The micro-credit loan mainly through the way of the financial service, provides the independent employment and the independent development opportunity for the rural low income masses and the small scale enterprise, and through this way, promotes them to own existence and the development. Small credit loan is an innovation of financial service and an important means of poverty alleviation. Microcredit insurance is the accident injury or term life insurance that the insurance company provides specially for the loan farmer when the bank issues the small loan to the farmer, generally covers the accidental injury death or the illness death responsibility. As a new type of rural finance, micro-credit insurance is a typical representative of the trend of "bancassurance, insurance banking" and a bridgehead for insurance companies to enter the rural insurance market on a large scale. At the present stage, there is also a trend of development from rural areas to cities. The course of the reform of our country starts from the countryside, first breaks through in the countryside, and the reform and opening up promotes the rural area to take place the earth-shaking change. At present, the economic development of our country is in the transition stage, the development of the rural economy is related to the success or failure of the reform, and the core problem of the rural development lies in the coordination of the production efficiency and the fair distribution, which can be achieved by the micro-credit at the same time. Developing rural micro-credit insurance is an important measure to break through the bottleneck of micro-credit. In the vast rural financial market of Yunnan, microfinance is a new situation of financial services. The emergence of micro-credit insurance undoubtedly provides a way for banks to avoid the risk of issuing loans. Also engaged in agricultural production for farmers to play a very important role in ensuring. This paper investigates and studies the types, characteristics, business models and current problems of micro-credit loans, Yunnan micro-credit insurance, and makes data analysis through the combination of typical surveys and sample surveys. And then put forward corresponding countermeasures and suggestions to the development of Yunnan micro-credit insurance.
【學(xué)位授予單位】：中南林業(yè)科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.43;F842.6

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本文編號(hào)：1963094