本文關(guān)鍵詞：山東省小額貸款公司可持續(xù)發(fā)展問(wèn)題研究　出處：《山東大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

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【摘要】：小額貸款最早來(lái)源于孟加拉國(guó)穆罕穆德·尤努斯教授創(chuàng)辦的格萊珉銀行,它自出現(xiàn)以來(lái),就展示出了旺盛的生命活力,迅速被亞、非、拉丁關(guān)洲等發(fā)展中國(guó)家復(fù)制,成為扶貧的有效方式。穆罕穆德·尤努斯教授也因其成功創(chuàng)辦格萊珉銀行,于2006年榮獲諾貝爾和平獎(jiǎng)。小額信貸的成功引起了國(guó)際社會(huì)的廣泛關(guān)注,我國(guó)于上個(gè)世紀(jì)九十年代開(kāi)始學(xué)習(xí)和引進(jìn)格萊珉小額信貸模式,并于2005年開(kāi)始在五個(gè)省或自治區(qū)試點(diǎn),2008年在全國(guó)推開(kāi)。 山東省于2008年9月著手開(kāi)展小額貸款公司試點(diǎn)工作,自試點(diǎn)工作開(kāi)展以來(lái),小額貸款公司迅速遍及山東各地,在一定程度上緩解了“三農(nóng)”及中小企業(yè)的融資困境,對(duì)經(jīng)濟(jì)社會(huì)的發(fā)展起到了積極作用。但作為金融創(chuàng)新的一種新生事物,其暴露出的問(wèn)題也不容忽視。在此背景下,探索小額貸款公司可持續(xù)發(fā)展之路,促進(jìn)山東省小額貸款公司持續(xù)發(fā)展,就具有了重要的理論和現(xiàn)實(shí)意義。 本文以山東省的小額貸款公司為研究對(duì)象,通過(guò)規(guī)范分析、比較分析、實(shí)證分析等研究方法對(duì)山東省小額貸款公司存在的問(wèn)題進(jìn)行了分析研究,旨在促進(jìn)山東省小額貸款公司的可持續(xù)發(fā)展。研究的思路和主要內(nèi)容是：首先,論述了課題的研究背景、意義,并對(duì)小額信貸發(fā)展的相關(guān)理論及國(guó)內(nèi)外研究現(xiàn)狀進(jìn)行了闡述,為課題的研究提供了充足的理論依據(jù)；其次,論述了國(guó)外實(shí)踐經(jīng)驗(yàn),并分析了我國(guó)口前的實(shí)踐情況,希望通過(guò)對(duì)比,對(duì)我國(guó)小額信貸的發(fā)展有所啟示。再次,從宏觀角度,通過(guò)問(wèn)卷調(diào)查和數(shù)據(jù)分析重點(diǎn)研究了山東省小額貸款公司試點(diǎn)情況,解讀了山東省小額貸款公司試點(diǎn)政策,分析了山東省小額貸款公司試點(diǎn)的總體情況、貸款情況和財(cái)務(wù)情況,研究了試點(diǎn)過(guò)程中存在的問(wèn)題；第四,以A市B區(qū)C小額貸款公司為例,從微觀角度分析了C小額貸款公司成立情況、運(yùn)營(yíng)情況及其運(yùn)營(yíng)中存在的問(wèn)題：第五,對(duì)山東省小額貸款公司可持續(xù)發(fā)展的路徑選擇進(jìn)行了探索性研究,并根據(jù)問(wèn)題的分析,從宏微觀兩個(gè)角度提出了促進(jìn)山東省小額貸款公司可持續(xù)發(fā)展的政策建議,希望能夠?yàn)樯綎|省小額貸款公司的可持續(xù)發(fā)展起到一定的借鑒作用。
[Abstract]:Microfinance first came from the Grameen Bank, founded by Professor Muhammad Yunus in Bangladesh, and it has shown great vitality since its emergence. Latin states and other developing countries replicated it as an effective way to help the poor. Professor Muhammad Yunus also founded Grameen Bank for his success. In 2006, the success of the Nobel Peace Prize. The success of microcredit has attracted the attention of the international community. In -10s, China began to learn and introduce the Grameen microcredit model. And began in 2005 in the five provinces or autonomous regions pilot, 2008 in the national push. In September 2008, Shandong Province began to carry out the pilot work of micro-credit companies, since the pilot work, micro-credit companies have spread rapidly throughout Shandong. To a certain extent, it alleviates the financing dilemma of "three rural areas" and small and medium-sized enterprises, and plays a positive role in the development of economy and society, but as a new thing of financial innovation. Under this background, it is of great theoretical and practical significance to explore the sustainable development of micro-credit companies and promote the sustainable development of micro-credit companies in Shandong Province. This paper takes the microfinance companies in Shandong Province as the research object, through normative analysis, comparative analysis, empirical analysis and other research methods to analyze the problems of Shandong micro-credit companies. The purpose of this study is to promote the sustainable development of Shandong Microcredit Corporation. The main contents of the study are as follows: first of all, the research background and significance of the subject are discussed. And the development of microfinance related theories and domestic and foreign research status, for the subject of research provided sufficient theoretical basis; Secondly, it discusses the foreign practice experience, and analyzes the practice situation before the mouth of our country, hope through the contrast, to the development of micro-credit in China. Thirdly, from the macro perspective. Through the questionnaire survey and data analysis focused on the Shandong Province microfinance company pilot situation, interpretation of Shandong micro-credit company pilot policy, analysis of the overall situation of Shandong micro-credit company pilot. Loan situation and financial situation, studied the problems existing in the process of pilot; In 4th, taking C Microloan Company of A City B District as an example, this paper analyzes the establishment, operation situation and problems in operation of C Microloan Company from a micro perspective: 5th. This paper makes an exploratory study on the path choice of sustainable development of Shandong Microcredit Corporation and analyzes the problem. This paper puts forward some policy suggestions to promote the sustainable development of Shandong Microloan Company from the macro and micro perspectives, hoping to play a certain reference role in the sustainable development of Shandong Microloan Company.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.39

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