本文選題：未央?yún)^(qū)　切入點(diǎn)：農(nóng)村信用社　出處：《西北農(nóng)林科技大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：小額信貸，是我國(guó)農(nóng)村信貸管理制度的重大改革，大力發(fā)展農(nóng)村信用社小額信用貸款，能夠有效緩解農(nóng)民在貸款方面的困難情況。同時(shí)，也會(huì)得到較好地社會(huì)效益及經(jīng)濟(jì)效益。我國(guó)目前有顯的實(shí)踐效果著，但也有眾多問(wèn)題存在。本文從我國(guó)小額信貸定義入手，就小額信貸業(yè)務(wù)在未央?yún)^(qū)農(nóng)村信用合作社的發(fā)展歷程展開(kāi)調(diào)查，指出了小額信貸業(yè)務(wù)現(xiàn)行發(fā)展存在的問(wèn)題，并依據(jù)相關(guān)理論提出相應(yīng)的整改措施，以確保小額信貸業(yè)務(wù)為現(xiàn)代化城鄉(xiāng)建設(shè)做出貢獻(xiàn)。本文共有以下六個(gè)部分的內(nèi)容： 第一章為導(dǎo)論，介紹未央?yún)^(qū)農(nóng)村信用合作社小額信貸發(fā)展背景及本文研究意義，簡(jiǎn)要說(shuō)明了文章研究思路和研究方法，并對(duì)國(guó)內(nèi)外的研究概況，農(nóng)村信用社小額信貸業(yè)務(wù)的相關(guān)的知識(shí)，小額信貸業(yè)務(wù)的核心機(jī)制進(jìn)行了闡述。 第二章介紹了小額信貸業(yè)務(wù)中得基礎(chǔ)知識(shí)，，與相關(guān)理論知識(shí)。描繪了小額信貸業(yè)務(wù)的整體構(gòu)架。 第三章總體上對(duì)未央?yún)^(qū)得概況進(jìn)行了介紹，并回顧了未央聯(lián)社小額信貸的歷史。接下來(lái)用實(shí)證分析了未央?yún)^(qū)農(nóng)村信用合作聯(lián)社小額信貸業(yè)務(wù)的現(xiàn)狀。對(duì)未央農(nóng)村信用社小額信貸的主要做法和取得的成效進(jìn)行了說(shuō)明。 第四章對(duì)兩種國(guó)際上比較成功的小額信貸模式作出說(shuō)明，并對(duì)比了兩種模式。兩種成功經(jīng)驗(yàn)帶給未央農(nóng)村信用社農(nóng)戶小額信貸業(yè)務(wù)發(fā)展的啟示。 第五章是對(duì)未央聯(lián)社小額信貸業(yè)務(wù)發(fā)展進(jìn)行了SWOT分析。闡述了未央聯(lián)社發(fā)展小額信貸所具有的優(yōu)勢(shì)：網(wǎng)點(diǎn)分布廣闊、經(jīng)營(yíng)機(jī)制靈活、客戶關(guān)系緊密、市場(chǎng)領(lǐng)先地位。而劣勢(shì)主要體現(xiàn)為：農(nóng)民對(duì)小額信貸的認(rèn)識(shí)不足、未央聯(lián)社小額信貸風(fēng)險(xiǎn)意識(shí)不強(qiáng)、貸款營(yíng)銷不夠。未央?yún)^(qū)農(nóng)村信用合作社獲得了國(guó)家發(fā)展小額信貸業(yè)務(wù)的政策支持，為該業(yè)務(wù)的發(fā)展帶來(lái)了良好的機(jī)遇。威脅主要來(lái)自未央聯(lián)社小額信貸業(yè)務(wù)不確定性高、競(jìng)爭(zhēng)激烈等方面。 第六章針對(duì)未央聯(lián)社小額信貸業(yè)務(wù)出現(xiàn)的問(wèn)題，提出了解決未央聯(lián)社小額信貸發(fā)展的策略：加強(qiáng)宣傳，讓全社會(huì)認(rèn)識(shí)小額信貸、促使未央聯(lián)社小額信貸的操作機(jī)制更加完善、小額信貸的發(fā)放要受到嚴(yán)格的規(guī)范、要對(duì)信貸管理創(chuàng)新等。
[Abstract]:Microfinance is a major reform of China's rural credit management system, vigorously develop the micro credit loans of rural credit cooperatives, farmers can effectively alleviate the difficulties in loan. At the same time, will also get a better social and economic benefits. China currently has significant effect in practice, but there are also many problems. This paper from China's microfinance definition, investigating the microfinance of rural credit cooperatives in Weiyang District development, points out the existing problems in the development of micro credit business, and on the basis of the relevant theory puts forward the corresponding corrective measures, to ensure that the microfinance business to make contributions to the modernization of urban and rural construction. This paper consists of the following six a part of the content:
The first chapter is the introduction, introduces the background of the rural credit cooperatives Weiyang microfinance development and the significance of this research, a brief description of the research ideas and research methods, and research situation at home and abroad, the rural microfinance business related knowledge, the core mechanism of micro credit business are discussed.
The second chapter introduces the basic knowledge and relevant theoretical knowledge in the microfinance business, and describes the overall framework of the microfinance business.
The third chapter of Weiyang District was introduced, and a review of the history of the union of Weiyang microfinance. Followed by empirical analysis of the status quo of Weiyang District Rural Credit Cooperative microfinance business. The main approach of Weiyang micro credit of rural credit cooperatives and the results achieved are described.
The fourth chapter explains two kinds of successful international micro credit model, and compare the two models. The two successful experience to Weiyang rural credit cooperatives microfinance business development.
The fifth chapter is the union of Weiyang microfinance business development was analyzed by SWOT. Describes the development of micro credit cooperatives Weiyang advantages: wide distribution network, flexible management, customer relationship closely, a leading position in the market. And the disadvantages are as follows: the lack of farmers' understanding of the micro credit union, Weiyang microfinance risk consciousness strong loan marketing is not enough. The rural credit cooperatives in Weiyang District won the national development of microfinance policy support for the development of business has brought a good opportunity. The main threats from Weiyang cooperative microfinance high uncertainty and fierce competition.
In the sixth chapter, Weiyang cooperative microfinance business problems, put forward to solve the development of Weiyang union microfinance strategy: strengthen the propaganda, make the whole society understanding of microfinance, micro credit operation mechanism to promote the Weiyang Union more perfect, microfinance payment is subject to strict regulation, to the credit management innovation.

【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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