本文選題：農(nóng)村小額信貸 + 風(fēng)險(xiǎn)防范　； 參考：《廣西大學(xué)》2012年碩士論文

【摘要】：本文的研究對(duì)象是農(nóng)村小額信貸發(fā)展過(guò)程中的風(fēng)險(xiǎn)防范。本研究對(duì)農(nóng)村小額信貸發(fā)展的現(xiàn)狀和風(fēng)險(xiǎn)所在進(jìn)行了簡(jiǎn)要描述,特別是對(duì)發(fā)展過(guò)程中的風(fēng)險(xiǎn)防范情況作了總結(jié)。本文認(rèn)為,鑒于我國(guó)農(nóng)村人口巨大,農(nóng)業(yè)基礎(chǔ)整體薄弱,絕大多數(shù)地區(qū)的農(nóng)業(yè)停留在散戶作業(yè)狀態(tài),抗風(fēng)險(xiǎn)能力較差。缺乏抵押、擔(dān)保是農(nóng)民籌措農(nóng)業(yè)生產(chǎn)資金遇到的首要難題。城市和農(nóng)村資金流向的極化、農(nóng)村金融資源的匱乏使得農(nóng)民要改變命運(yùn)、實(shí)現(xiàn)小康變得更難。面對(duì)高風(fēng)險(xiǎn)性的農(nóng)業(yè)產(chǎn)業(yè)群體,小額信貸要如何才能實(shí)現(xiàn)可持續(xù)運(yùn)營(yíng)是最大的問(wèn)題。本文正是從這一問(wèn)題的思考出發(fā),通過(guò)仔細(xì)甄別農(nóng)村小額信貸機(jī)構(gòu)所面臨的內(nèi)部外部各類(lèi)風(fēng)險(xiǎn),認(rèn)識(shí)到對(duì)于農(nóng)村小額信貸業(yè)務(wù)而言,信貸機(jī)構(gòu)控制內(nèi)部風(fēng)險(xiǎn)已很吃力,外部風(fēng)險(xiǎn)單憑信貸機(jī)構(gòu)的力量更難以抵御。農(nóng)村小額信貸除了本身所具有的商業(yè)化成分外,在當(dāng)前的國(guó)情下更具有公益的性質(zhì)。由于小額信貸的公益性、及其對(duì)和諧社會(huì)的重要意義,它所面對(duì)的外部風(fēng)險(xiǎn)應(yīng)該由社會(huì)信用度最高、抗風(fēng)險(xiǎn)能力最強(qiáng)的部門(mén)予以對(duì)沖,即政府應(yīng)該加強(qiáng)對(duì)小額信貸的支持。這種支持是反映在政策和資金的出臺(tái)上的類(lèi)似于公共物品的生產(chǎn)行為,政府通過(guò)踐行風(fēng)險(xiǎn)的對(duì)沖更好的履行了公共部門(mén)的責(zé)任。立足于當(dāng)前存在的問(wèn)題和要達(dá)到防范風(fēng)險(xiǎn)的目標(biāo),本文指出政府可以動(dòng)用一系列財(cái)政稅收政策及其他相關(guān)行政手段來(lái)加強(qiáng)對(duì)農(nóng)村金融機(jī)構(gòu)的扶持,以達(dá)到防范、化解相關(guān)風(fēng)險(xiǎn),實(shí)現(xiàn)農(nóng)村小額信貸可持續(xù)運(yùn)營(yíng)的目的。農(nóng)村小額信貸業(yè)務(wù)的可持續(xù)發(fā)展將為促進(jìn)城鄉(xiāng)一體化進(jìn)程和“三農(nóng)”的持續(xù)發(fā)展做出更大貢獻(xiàn)。
[Abstract]:The object of this paper is risk prevention in the development of rural microfinance. This paper briefly describes the current situation and risk of the development of rural microfinance, especially summarizes the risk prevention in the process of development. This paper holds that in view of the large rural population and the weak agricultural foundation in China, the agriculture in most areas remains in the state of retail operation and the ability to resist risks is poor. Lack of mortgage, guarantee is farmers to raise agricultural production funds encountered the primary problem. The polarization of capital flow between urban and rural areas and the scarcity of rural financial resources make it more difficult for farmers to change their fate and realize a well-off society. Facing the high risk agricultural industry group, the biggest problem is how to realize the sustainable operation of micro-credit. This paper starts from this problem, by carefully identifying the internal and external risks faced by rural microfinance institutions, and realizes that it is very difficult for the credit institutions to control the internal risks for the rural microfinance business. External risks are harder to fend off by credit institutions alone. In addition to its own commercial elements, rural microfinance has the nature of public welfare under the current national conditions. Because of the commonweal nature of microfinance and its significance to harmonious society, the external risks it faces should be hedged by the departments with the highest degree of social credit and the strongest ability of resisting risks, that is, the government should strengthen the support for microfinance. This support is reflected in public goods-like production on policy and capital-where the government better fulfils its public sector responsibilities by hedging risks. Based on the existing problems and the goal of preventing risks, this paper points out that the government can use a series of fiscal and tax policies and other relevant administrative means to strengthen the support to rural financial institutions, in order to prevent and resolve the related risks. To achieve the purpose of sustainable operation of rural microfinance. The sustainable development of rural microfinance will contribute more to the process of urban-rural integration and the sustainable development of agriculture, countryside and farmers.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.43

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