本文選題：格萊珉銀行　切入點(diǎn)：發(fā)展模式　出處：《遼寧大學(xué)》2012年碩士論文

【摘要】：本文以農(nóng)村金融理論為基礎(chǔ)，結(jié)合統(tǒng)計(jì)學(xué)、制度經(jīng)濟(jì)學(xué)相關(guān)理論，對(duì)孟加拉國(guó)格萊珉銀行的發(fā)展模式進(jìn)行研究。通過統(tǒng)計(jì)相關(guān)經(jīng)濟(jì)指標(biāo)定量分析結(jié)果發(fā)現(xiàn)：格萊珉銀行的組織結(jié)構(gòu)及其招聘制度設(shè)計(jì)保證了其具有充足的人力資源優(yōu)勢(shì)，格萊珉銀行的合法金融機(jī)構(gòu)地位及新的存款產(chǎn)品的設(shè)計(jì)大大拓寬了資金來源渠道，保證了其可持續(xù)經(jīng)營(yíng)性。通過在制度經(jīng)濟(jì)學(xué)視角下研究格萊珉銀行的擔(dān)保模式發(fā)現(xiàn)，小組聯(lián)保模式及新設(shè)計(jì)的貸款激勵(lì)制度大大的增加了會(huì)員違約成本。 在對(duì)相關(guān)理論及以往中外學(xué)者研究的文獻(xiàn)總結(jié)基礎(chǔ)之上，本文的正文寫作框架基本上分為四個(gè)部分。第一部分對(duì)小額信貸運(yùn)作原理進(jìn)行總結(jié)并簡(jiǎn)要回顧小額信貸的國(guó)際發(fā)展歷程。第二部分對(duì)孟加拉國(guó)格萊珉銀行的累計(jì)發(fā)放貸款規(guī)模、資金來源渠道、覆蓋范圍、相關(guān)財(cái)務(wù)指標(biāo)進(jìn)行統(tǒng)計(jì)分析，大致的把格萊珉銀行發(fā)展歷程分為三個(gè)階段：1976年至1983年為第一階段，1983年至2000年為第二階段，2000年至今為第三階段。并詳細(xì)的從組織結(jié)構(gòu)、資金來源渠道、擔(dān)保模式、借貸程序及還款方式等幾個(gè)方面研究格萊珉銀行的發(fā)展模式。第三部分通過定量分析相關(guān)數(shù)據(jù)總結(jié)發(fā)現(xiàn)格萊珉銀行成功經(jīng)驗(yàn)可以歸納為“以人為本”的服務(wù)理念、嚴(yán)格控制風(fēng)險(xiǎn)的借貸制度、通過設(shè)計(jì)激勵(lì)增加會(huì)員違約成本以及貸款利率商業(yè)化等幾個(gè)方面。第四部分簡(jiǎn)要總結(jié)目前中國(guó)小額信貸發(fā)展情況并結(jié)合前幾個(gè)部分的研究結(jié)論，參照格萊珉銀行的成功經(jīng)驗(yàn)對(duì)中國(guó)小額信貸發(fā)展提供一些政策建議，以達(dá)到促進(jìn)農(nóng)村貧困人口脫貧、農(nóng)村經(jīng)濟(jì)增長(zhǎng)，縮小城鄉(xiāng)收入差距，構(gòu)建和諧社會(huì)的目標(biāo)。
[Abstract]:This paper is based on the theory of rural finance, combined with statistics, institutional economics related theories, This paper studies the development model of Grameen Bank in Bangladesh. Through the quantitative analysis of relevant economic indicators, it is found that the organizational structure of Grameen Bank and its recruitment system design ensure that Grameen Bank has sufficient human resource advantages. The legal financial institution status of Grameen Bank and the design of new deposit products greatly widen the source of funds and ensure its sustainable operation. The Group's Unpa model and the newly designed loan incentive system greatly increase the cost of member default. On the basis of summarizing the relevant theories and the literature of Chinese and foreign scholars in the past, The main body of this paper is basically divided into four parts. The first part summarizes the principle of microfinance operation and briefly reviews the international development of microfinance. The second part is about the cumulative loan size of Grameen Bank in Bangladesh. Sources of funds, coverage, and related financial indicators for statistical analysis, The development process of Grameen Bank is roughly divided into three stages: the first stage from 1976 to 1983, the second stage from 1983 to 2000, and the third stage from 2000 to present. The third part summarizes the successful experience of Grameen Bank by quantitative analysis and finds that the successful experience of Grameen Bank can be summed up as "people-oriented" service concept. Strict risk control of the lending system, through the design of incentives to increase the cost of member default and the commercialization of loan interest rates and other aspects. The fourth part of a brief summary of the current situation of microfinance development in China and combined with the previous parts of the research conclusions, According to the successful experience of Grameen Bank, this paper provides some policy suggestions for the development of micro-credit in China, in order to promote the rural poor population to escape poverty, increase the rural economy, narrow the income gap between urban and rural areas, and build a harmonious society.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.4

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 殷琰;A市農(nóng)村商業(yè)銀行小額信貸業(yè)務(wù)研究[D];鄭州大學(xué);2013年

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本文編號(hào)：1665882