本文關鍵詞：淺析我國農(nóng)村小額信貸存在的問題及對策　出處：《山西農(nóng)業(yè)大學》2013年碩士論文　論文類型：學位論文

  更多相關文章： 三農(nóng) 農(nóng)村小額貸款業(yè)務 對策

【摘要】：中國是一個農(nóng)業(yè)大國,更是一個農(nóng)村人口占多數(shù)的國家,據(jù)不完全統(tǒng)計,中國絕大多數(shù)農(nóng)村人口均過著貧困的生活,貧困人口占到我國總人口的20%左右。如何增加農(nóng)民的收入成了我國第一關注的問題,近幾年,國務院都把農(nóng)業(yè)、農(nóng)村和農(nóng)民的問題放在首位,農(nóng)民富了,我國大多數(shù)人就富了。所以,怎么解決這個問題,如何增加農(nóng)民的收入,是解決我國“三農(nóng)”問題的關鍵。 1999年開始,由中國人民銀行提出并指導,農(nóng)村小額貸款業(yè)務經(jīng)過了一段時間的摸索和推廣,也取得了一定的成就。同時國外也一直在摸索和發(fā)展農(nóng)村小額信貸業(yè)務,所以,國際和國內(nèi)經(jīng)驗都表明,想發(fā)展“三農(nóng)”就必須發(fā)展其小額信貸,因為發(fā)展了經(jīng)濟,讓農(nóng)民手中的錢多起來才是解決三農(nóng)問題的關鍵。不過截止到今天,我國農(nóng)村小額信貸依然存在著諸多問題,例如,小額信貸機構單一,資金不足,并且還伴隨著風險大、難管理、人員少、服務不到位的問題,再加上貸款制度上的缺陷,如利率偏低、貸款期限不足,缺少有效的的監(jiān)督和管理等。小額信貸能否健康的可持續(xù)的發(fā)展下去就必須解決此類問題。因此,本文通過分析國內(nèi)外小額信貸的現(xiàn)狀和問題,提出了相應的解決對策。
[Abstract]:Chinese is an agricultural country, the rural population is a majority country, according to incomplete statistics, the vast majority of the rural population China were living in poverty, poverty accounted for about 20% of the total population in our country. How to increase the income of farmers has become China's first concern in recent years. The state Council, the agriculture, rural areas and farmers problems in the first place, rich farmers, most of the people in our country is rich. So, how to solve this problem, how to increase the income of farmers, is the key to solve the "three rural issues".
Beginning in 1999, proposed and guided by the people's Bank of Chinese, rural microfinance through the exploration and promotion of a period of time, has made some achievements. At the same time abroad has been in business, so the exploration and development of rural microfinance, the domestic and international experience shows that to develop the "three rural" must develop the small credit, because the development of the economy, let the farmers more money is the key to solve the problem. But until today, China's rural microfinance still exist many problems, for example, microfinance institutions are single, lack of funds, and also accompanied by high risk, difficult to manage, less staff, service in place, coupled with the defects on the loan system, such as low interest rates, the loan period is insufficient, lack of effective supervision and management of microfinance. The healthy sustainable development must be solved Therefore, through the analysis of the current situation and problems of micro credit at home and abroad, this paper puts forward the corresponding countermeasures.

【學位授予單位】：山西農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4

【參考文獻】

相關期刊論文 前1條

1 廖雪亮;;我國農(nóng)村金融體系存在的問題及對策[J];四川行政學院學報;2006年01期

，

本文編號：1368694