發(fā)布時(shí)間：2018-03-17 21:05

  本文選題：昆山農(nóng)村商業(yè)銀行　切入點(diǎn)：小額信貸　出處：《南京農(nóng)業(yè)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：發(fā)展小額信貸是縮小個(gè)人收入差距、解決區(qū)域發(fā)展不平衡和資源有限性等問題的重要手段。黨的十八大報(bào)告再次強(qiáng)調(diào),“加快發(fā)展現(xiàn)代農(nóng)業(yè),增強(qiáng)農(nóng)業(yè)綜合生產(chǎn)能力,確保國(guó)家糧食安全和重要農(nóng)產(chǎn)品有效供給”。而農(nóng)村的大力發(fā)展,農(nóng)業(yè)基礎(chǔ)設(shè)施的建設(shè)、對(duì)農(nóng)民的扶貧以及農(nóng)民創(chuàng)收渠道的擴(kuò)充都需要大量的資金,而小額信貸不僅可以解決農(nóng)村金融問題,同樣可以支持農(nóng)村的發(fā)展,為解決“三農(nóng)”問題開辟出一條新的道路。 關(guān)于小額貸款的運(yùn)行機(jī)制和績(jī)效評(píng)價(jià)問題,目前國(guó)內(nèi)外專家學(xué)者已作了較為全面深入的研究,并取得豐碩的研究成果。但這些研究更多的是從宏觀層面上進(jìn)行研究,缺乏有針對(duì)性的實(shí)證性的研究。本文基于當(dāng)前新的時(shí)代背景,在已有的研究成果的基礎(chǔ)上,以昆山商業(yè)銀行為具體研究對(duì)象,著重分析昆山商業(yè)銀行小額信貸運(yùn)行機(jī)制及績(jī)效評(píng)價(jià),著重探討完善昆山商業(yè)銀行小額信貸的建議對(duì)策,一方面是為促進(jìn)昆山農(nóng)村商業(yè)銀行小額信貸的發(fā)展提供參考和借鑒,另一方面也是對(duì)農(nóng)村小額貸款相關(guān)理論的豐富和發(fā)展。 本文基本思路可分為三個(gè)層次,首先,從分析國(guó)際國(guó)內(nèi)背景、理論研究背景入手,研究農(nóng)村金融小額貸款的內(nèi)涵、模式和意義,為深入研究和探討完善昆山農(nóng)村商業(yè)銀行小額信貸的發(fā)展提供理論依據(jù)；其次,分析昆山農(nóng)村商業(yè)銀行小額貸款運(yùn)行機(jī)制及績(jī)效評(píng)價(jià),為深入研究和探討昆山農(nóng)村商業(yè)銀行小額信貸的發(fā)展提供現(xiàn)實(shí)依據(jù)；再次,學(xué)習(xí)借鑒國(guó)外銀行小額信貸的發(fā)展模式和經(jīng)驗(yàn),探討完善昆山農(nóng)村商業(yè)銀行小額貸款的對(duì)策建議。 研究結(jié)果表明,實(shí)現(xiàn)農(nóng)村商業(yè)銀行小額信貸的科學(xué)發(fā)展,不僅需要多元化的資金來(lái)源、合理的市場(chǎng)化的利率水平,而且需要必要的風(fēng)險(xiǎn)控制和良好的內(nèi)部運(yùn)行機(jī)制。目前昆山農(nóng)村商業(yè)銀行小額信貸發(fā)展存在著市場(chǎng)份額減少、經(jīng)營(yíng)風(fēng)險(xiǎn)加大、農(nóng)村信貸供給不足、配套中間業(yè)務(wù)不足、缺乏足夠的政策支持、從業(yè)人員素質(zhì)不高等問題,只有明確信貸發(fā)展定位、深化存量貸款管理、提高信貸服務(wù)質(zhì)量、轉(zhuǎn)變信貸發(fā)展方式,昆山農(nóng)村商業(yè)銀行小額信貸的發(fā)展才會(huì)更加穩(wěn)健、更加持續(xù)、更加科學(xué)。
[Abstract]:The development of microcredit is an important means to narrow the income gap of individuals and solve the problems of imbalance in regional development and limited resources. The report of the 18 National Congress of the Communist Party of China emphasizes once again, "speeding up the development of modern agriculture and strengthening the comprehensive agricultural production capacity." To ensure national food security and the effective supply of important agricultural products ". However, the vigorous development of rural areas, the construction of agricultural infrastructure, the poverty alleviation of farmers and the expansion of farmers' income generation channels all require a large amount of funds. Microfinance can not only solve the rural financial problems, but also support the development of rural areas, and open a new way to solve the "three rural" problems. At present, experts and scholars at home and abroad have made more comprehensive and in-depth research on the operational mechanism and performance evaluation of microfinance, and have achieved fruitful results. However, these studies are mostly carried out from the macro level. Based on the background of the current new era, based on the existing research results, this paper takes Kunshan Commercial Bank as the specific research object. This paper focuses on the analysis of the operational mechanism and performance evaluation of micro-credit in Kunshan Commercial Bank, and probes into the countermeasures to perfect the micro-credit of Kunshan Commercial Bank. On the one hand, it provides a reference and reference for promoting the development of micro-credit in the rural commercial bank of Kunshan. On the other hand, it is the enrichment and development of rural microfinance theory. The basic idea of this paper can be divided into three levels. Firstly, from the analysis of the international and domestic background and the theoretical research background, the paper studies the connotation, mode and significance of the rural financial microfinance. In order to deeply study and explore the development of rural commercial banks in Kunshan to provide a theoretical basis for the development of microfinance; secondly, analyze the operating mechanism and performance evaluation of small loans of rural commercial banks in Kunshan. In order to deeply study and explore the development of rural commercial banks in Kunshan to provide a realistic basis for the development of microfinance; thirdly, learn from the development model and experience of foreign banks, explore the development of rural commercial banks in Kunshan small loans countermeasures and suggestions. The results show that the scientific development of micro-credit in rural commercial banks requires not only diversified sources of funds, but also a reasonable level of market-oriented interest rates. It also needs necessary risk control and a good internal operating mechanism. At present, the development of micro-credit in Kunshan Rural Commercial Bank has reduced market share, increased operational risks, insufficient supply of rural credit, and insufficient supporting intermediate business. Lack of sufficient policy support, poor quality of employees and other problems, only clear credit development positioning, deepen the stock of loans management, improve the quality of credit services, change the way credit development, Kunshan rural commercial bank microfinance development will be more stable, more sustainable, more scientific.
【學(xué)位授予單位】：南京農(nóng)業(yè)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

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