本文關(guān)鍵詞： 湖南省 小額貸款公司 發(fā)展 問題　出處：《湖南農(nóng)業(yè)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：1994年,小額信貸以一種有效的扶貧模式被引入中國,引起了政府、學(xué)者和相關(guān)機(jī)構(gòu)的極大關(guān)注。十余年后,小額信貸再次成為社會關(guān)注的焦點,2005年,銀監(jiān)會和人民銀行開始在山西、四川、陜西、貴州、內(nèi)蒙古開展“只貸不存”的小額貸款公司試點工作。2008年銀監(jiān)會和人民銀行聯(lián)合發(fā)布關(guān)于開展小額貸款公司試點的指導(dǎo)意見,為小額貸款公司提供政策指引。小額貸款公司是伴隨我國金融改革和金融體制創(chuàng)新而產(chǎn)生的新生事物。小額貸款公司對于調(diào)動民間閑置資金,引導(dǎo)民間資金合法地開展金融活動及增加金融供給、緩解農(nóng)村與中小企業(yè)融資困境具有非常重要的作用。隨著湖南省小額貸款公司的陸續(xù)成立,小額貸款公司在一定程度上解決了農(nóng)村地區(qū)和中小企業(yè)融資難的問題。 本文立足于湖南省,針對湖南省成立的小額貸款公司進(jìn)行深入的分析,找出其發(fā)展中存在的問題,并提出相應(yīng)的對策建議,完善小額貸款公司的發(fā)展。主要通過規(guī)范分析、比較分析、實證分析的方法對湖南省境內(nèi)成立的小額貸款公司發(fā)展中存在的問題進(jìn)行了深入的研究,具體的研究思路是：首先對小額貸款公司的國內(nèi)外研究現(xiàn)狀等進(jìn)行了總結(jié)與歸納,論述了小額貸款公司的涵義與特征,并闡述了小額貸款公司發(fā)展的一般理論；然后論述了湖南省小額貸款公司的發(fā)展現(xiàn)狀,在進(jìn)行現(xiàn)狀分析的過程中,充分結(jié)合湖南省境內(nèi)小額貸款公司的實際情況,了解了相應(yīng)的現(xiàn)狀后,分別對其所存在的問題及存在問題的原因進(jìn)行了詳細(xì)分析；最后,提出了相應(yīng)的對策和建議,希望通過利用這些對策建議,促進(jìn)湖南省小額貸款公司健康、穩(wěn)步的發(fā)展。
[Abstract]:In 1994, microfinance was introduced into China as an effective model of poverty alleviation, which attracted great attention of the government, scholars and related institutions. More than ten years later, microfinance once again became the focus of social attention. The Banking Regulatory Commission (CBRC) and the people's Bank of China (PBOC) began the pilot work of "only lending and not saving" micro-loan companies in Shanxi, Sichuan, Shaanxi, Guizhou and Inner Mongolia. In 2008, the CBRC and the people's Bank jointly issued guidance on the pilot of micro-loan companies. Providing policy guidance for microfinance companies. Microfinance companies are new things that have emerged along with China's financial reform and financial system innovation. Microfinance companies are concerned about mobilizing private idle funds. It is very important to guide private funds to carry out financial activities legally and increase financial supply, so as to alleviate the financing difficulties of rural and small and medium-sized enterprises. To a certain extent, microfinance companies have solved the problem of financing difficulties in rural areas and small and medium enterprises. Based on Hunan Province, this paper makes a deep analysis on the micro-loan company set up in Hunan Province, finds out the existing problems in its development, and puts forward corresponding countermeasures and suggestions to perfect the development of micro-credit company. Comparative analysis, empirical analysis of the methods of the establishment of small loan companies in Hunan Province in the development of existing problems, The specific research ideas are as follows: firstly, it summarizes and summarizes the domestic and international research status of microfinance companies, discusses the meaning and characteristics of microfinance companies, and expounds the general theory of the development of microfinance companies; Then it discusses the current situation of the development of the small loan company in Hunan Province. In the course of the analysis of the present situation, it fully combines the actual situation of the small loan company in Hunan Province and understands the corresponding present situation. Finally, the author puts forward the corresponding countermeasures and suggestions, hoping to promote the healthy and steady development of Hunan micro-credit company by using these countermeasures and suggestions.
【學(xué)位授予單位】：湖南農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

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