發(fā)布時(shí)間：2018-05-20 03:20

  本文選題：扶貧小額信貸機(jī)構(gòu) + 可持續(xù)發(fā)展　； 參考：《南京財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：小額信貸是一個(gè)健全的金融系統(tǒng)中不可或缺的一環(huán)，，目前我國(guó)的扶貧小額信貸業(yè)務(wù)主要面向的是貧困人群、中低收入人群以及小微企業(yè)，雖然具有政策背景，但是要實(shí)現(xiàn)扶貧小額信貸機(jī)構(gòu)的可持續(xù)發(fā)展，機(jī)構(gòu)還需向商業(yè)化和制度主義方向轉(zhuǎn)變。 要促進(jìn)扶貧小額信貸的可持續(xù)發(fā)展，就必須使其能夠通過(guò)正常的經(jīng)營(yíng)活動(dòng)獲取必要的利潤(rùn)，要達(dá)到這一目的，關(guān)鍵是要確定什么樣的利率水平和機(jī)制有助于實(shí)現(xiàn)小額貸款業(yè)務(wù)的可持續(xù)發(fā)展和借貸雙方的雙贏�？沙掷m(xù)的小額信貸機(jī)構(gòu)，其成功的原因不僅僅是可持續(xù)的利率水平，更重要的是利率背后的運(yùn)作機(jī)制，可持續(xù)的利率水平是小額信貸機(jī)構(gòu)成功的關(guān)鍵，也是可持續(xù)運(yùn)作機(jī)制的必然結(jié)果。 本文以小額信貸機(jī)構(gòu)可持續(xù)發(fā)展利率水平的估算作為切入點(diǎn)，根據(jù)①不同類(lèi)型模式；②財(cái)務(wù)數(shù)據(jù)的可獲得性；③機(jī)構(gòu)運(yùn)作的成熟程度，這三點(diǎn)標(biāo)準(zhǔn)選擇了三家小額信貸機(jī)構(gòu)即中國(guó)扶貧基金會(huì)小額信貸部暨中和農(nóng)信項(xiàng)目管理有限公司、四川儀隴縣鄉(xiāng)村發(fā)展協(xié)會(huì)以及浙江泰隆商業(yè)銀行作為研究樣本，進(jìn)行詳細(xì)的案例對(duì)比分析。 分析過(guò)程中使用收支平衡模型和Rosenberg模型對(duì)三家小額信貸機(jī)構(gòu)的可持續(xù)利率水平進(jìn)行估算，在估算結(jié)果的基礎(chǔ)上，結(jié)合機(jī)構(gòu)自身的基本情況和運(yùn)作機(jī)制模式所具有的特點(diǎn)進(jìn)行一系列對(duì)比分析，得出的分析結(jié)論認(rèn)為扶貧小額信貸機(jī)構(gòu)的商業(yè)化是實(shí)現(xiàn)其財(cái)務(wù)獨(dú)立、提高經(jīng)營(yíng)管理效率、降低成本從而實(shí)現(xiàn)可持續(xù)發(fā)展的必由之路，驗(yàn)證了小額信貸由福利主義向制度主義轉(zhuǎn)變的趨勢(shì)。 文章最后從政府和機(jī)構(gòu)兩個(gè)層面為扶貧小額信貸的可持續(xù)發(fā)展提出了建議。
[Abstract]:Microfinance is an indispensable part of a sound financial system. At present, the poor micro credit business of our country is mainly oriented to the poor, the middle and low income people and the small and micro enterprises. Although it has the policy background, it is necessary to realize the sustainable development of the poor micro credit institutions, and the institutions need to be commercialized and institutionalized. Change.
To promote the sustainable development of poverty alleviation microfinance, it is necessary to make it possible to gain the necessary profit through normal operating activities. In order to achieve this goal, the key is to determine what kind of interest rate and mechanism can help to achieve the sustainable development of small loan business and the win-win of the borrowers. The sustainable microcredit institution, The reason for the success is not only the sustainable interest rate, but also the operating mechanism behind the interest rate. The sustainable interest rate is the key to the success of the microfinance institutions and the inevitable result of the sustainable operation mechanism.
This paper takes the estimation of the interest rate level of the sustainable development of microcredit institutions as a breakthrough point. According to the different types of models, the availability of the financial data, and the maturity of the operation of the institutions, the three standards have chosen three microfinance institutions, the microcredit Department of the China Poverty Alleviation foundation and the Management Limited company of neutralization of rural credit. Sichuan Yilong County Rural Development Association and Zhejiang Tyrone commercial bank as a research sample, a detailed case contrast analysis is conducted.
In the process of the analysis, the revenue and expenditure model and Rosenberg model are used to estimate the sustainable interest rate level of three microfinance institutions. On the basis of the estimated results, a series of comparative analyses are carried out on the basis of the basic situation of the institutions and the characteristics of the operating mechanism model. The commercialization of the structure is the only way to realize its financial independence, improve the efficiency of management, reduce the cost and realize the sustainable development, and verify the trend of the transformation of microcredit from the welfare to the institutionalism.
Finally, from the two levels of government and institutions, the article puts forward some suggestions for the sustainable development of poverty alleviation microfinance.
【學(xué)位授予單位】：南京財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.4

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