本文選題：小額貸款 + 融資服務(wù)　； 參考：《遼寧師范大學(xué)》2012年碩士論文

【摘要】：小額貸款（MicroCredit），國(guó)際公認(rèn)為尤努斯于上世紀(jì)70年代發(fā)起，是以貧困個(gè)人或家庭為核心的經(jīng)營(yíng)類貸款，貸款的金額相對(duì)較低，一般為20萬(wàn)元以下，1000元以上。主要以低收入階層、貧困人口和以家庭為基礎(chǔ)的小經(jīng)營(yíng)者為服務(wù)對(duì)象，擁有不同于正規(guī)金融機(jī)構(gòu)的風(fēng)險(xiǎn)管理技術(shù)，提供了小額貸款、儲(chǔ)蓄、保險(xiǎn)、匯款等業(yè)務(wù)。在當(dāng)前國(guó)際金融危機(jī)持續(xù)蔓延、世界經(jīng)濟(jì)增長(zhǎng)明顯減速、我國(guó)負(fù)面影響日益加深、對(duì)農(nóng)業(yè)農(nóng)村發(fā)展沖擊不斷顯現(xiàn)的情況下，如何能大力發(fā)展小額信貸，如何能通過新形式的小額信貸帶動(dòng)區(qū)域經(jīng)濟(jì)發(fā)展成為了解決中國(guó)式問題新課題。 本文首先介紹了小額信貸的基本定義，并從國(guó)際與國(guó)內(nèi)兩個(gè)方面介紹小額信貸融資的發(fā)展歷程。隨之概述了世界經(jīng)濟(jì)發(fā)展，區(qū)域經(jīng)濟(jì)的發(fā)展的一般過程。通過借鑒國(guó)際上區(qū)域經(jīng)濟(jì)發(fā)展的理論、規(guī)律、措施和經(jīng)驗(yàn)，體現(xiàn)了發(fā)展區(qū)域經(jīng)濟(jì)的現(xiàn)實(shí)意義，并強(qiáng)調(diào)了區(qū)域經(jīng)濟(jì)發(fā)展所面臨的機(jī)遇和挑戰(zhàn)。然后分別通過小額貸款在孟加拉國(guó)為代表的欠發(fā)達(dá)區(qū)、在美國(guó)為代表的發(fā)達(dá)區(qū)域的作用借鑒指引中國(guó)為代表的發(fā)展中國(guó)家區(qū)域經(jīng)濟(jì)中的作用，敘述了小額信貸在區(qū)域經(jīng)濟(jì)發(fā)展中所產(chǎn)生的影響,也揭示了我國(guó)發(fā)展的路徑。最后闡述了小額貸款在產(chǎn)業(yè)結(jié)構(gòu)調(diào)整，市場(chǎng)優(yōu)化，生態(tài)環(huán)境建設(shè)，新經(jīng)濟(jì)模式等方面對(duì)我國(guó)區(qū)域經(jīng)濟(jì)的助推作用。 此外，本文在對(duì)小額信貸對(duì)區(qū)域經(jīng)濟(jì)的分析基礎(chǔ)上，還提出了微信貸這一新的經(jīng)濟(jì)現(xiàn)象，并積極探索性地提出適合中國(guó)國(guó)情下的小額信貸發(fā)展意見，這些淺見可供同仁們予以斧正并商榷！
[Abstract]:Microcredit, which is recognized as Yunus in the 1970s, is a kind of management loan with poor individuals or families as the core. The amount of loans is relatively low, generally less than 200000 yuan or more than 1, 000 yuan. Mainly for the low-income class, poor people and family-based small operators as the target, has different from the formal financial institutions risk management technology, providing small loans, savings, insurance, remittances and other businesses. With the current international financial crisis continuing to spread, the world economic growth slowing down obviously, the negative impact of our country deepening day by day, and the impact on the development of agricultural and rural areas emerging, how can we vigorously develop microcredit, How to promote the development of regional economy through the new form of microfinance has become a new problem in China. This paper first introduces the basic definition of microfinance, and introduces the development of microfinance from the international and domestic aspects. Then summarized the world economic development, the general process of regional economic development. By drawing lessons from the theories, laws, measures and experiences of regional economic development in the world, this paper embodies the practical significance of developing regional economy, and emphasizes the opportunities and challenges faced by regional economic development. Then, through the role of microfinance in the underdeveloped regions represented by Bangladesh and in the developed regions represented by the United States, the role of micro-loans in the regional economies of developing countries represented by China is drawn from. This paper describes the influence of microfinance on the development of regional economy, and reveals the path of development of our country. Finally, the paper expounds the role of micro-loans in promoting the regional economy in China in the aspects of industrial structure adjustment, market optimization, ecological environment construction, new economic model, and so on. In addition, based on the analysis of micro-credit to regional economy, this paper also puts forward the new economic phenomenon of micro-credit, and actively explores the development of micro-credit suitable for China's national conditions. These simple views can be given to colleagues to correct and discuss!
【學(xué)位授予單位】：遼寧師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：O29;F832.4;F124

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