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  本文關(guān)鍵詞：國際小額信貸借鑒及我國公益性小額信貸發(fā)展研究　出處：《西南財經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 公益性小額信貸 國內(nèi)外發(fā)展經(jīng)驗 可持續(xù)發(fā)展

【摘要】：上世紀70年代,經(jīng)濟學(xué)家穆罕默德·尤努斯創(chuàng)建的孟加拉格萊珉銀行開創(chuàng)了向窮人提供小額信貸服務(wù)的先河。小額信貸作為一種新的扶貧思路,在世界范圍內(nèi)特別是發(fā)展中國家得到了大力發(fā)展。上世紀90年代,小額信貸作為國際公認的有效扶貧工具被引入我國,經(jīng)過二十年的不懈努力,為我國農(nóng)村扶貧做出了重要貢獻,也成為了農(nóng)村金融的有力補充。各國小額信貸機構(gòu)的發(fā)展經(jīng)驗顯示,為了長期的扶貧目標,小額信貸機構(gòu)必須在堅持扶貧宗旨的同時,保證自身的可持續(xù)發(fā)展,從福利主義向公益性制度主義轉(zhuǎn)型。而我國公益性小額信貸機構(gòu)大多還是基于依賴捐款,無法自負盈虧的公益性福利主義小額機構(gòu)。他們因資金來源不穩(wěn)定、管理水平較低等原因,在向公益性制度主義小額信貸轉(zhuǎn)變的過程中面臨很多困難。如何實現(xiàn)我國公益性小額信貸機構(gòu)的可持續(xù)發(fā)展、公益性小額信貸未來有哪些發(fā)展趨勢成為了目前學(xué)術(shù)界和機構(gòu)自身關(guān)注的焦點。 本文由5個部分組成：第一部分闡述本文的研究背景及研究意義,研究思路和主要研究方法,同時,對國內(nèi)外的相關(guān)文獻進行歸納分析；第二部分介紹公益性小額信貸涉及的相關(guān)理論,公益性小額信貸的概念和特點,分析公益性小額信貸組織存在的必要性和作用；第三部分通過對幾個國外小額信貸機構(gòu)的實踐模式進行分析,總結(jié)國外小額信貸機構(gòu)對目前我國公益性小額信貸機構(gòu)發(fā)展有啟示的發(fā)展經(jīng)驗；第四部分詳細介紹我國公益性小額信貸的發(fā)展歷程,通過以目前我國最大的公益性小額信貸機構(gòu)中和農(nóng)信為例,分析其可持續(xù)發(fā)展的原因以及我國公益性小額信貸組織都面臨的困境；第五部分結(jié)合國內(nèi)外小額信貸機構(gòu)的發(fā)展經(jīng)驗,對我國公益性小額信貸未來的發(fā)展提出建議。
[Abstract]:In 70s, Grameen Bank economist Mohamed Yunus created a microfinance services to the poor precedent. Microfinance as a new approach to poverty alleviation in the world, especially in developing countries have been developing vigorously. The last century in 90s, microfinance effective poverty alleviation tools as an international recognized was introduced into China. After twenty years of unremitting efforts, has made an important contribution to rural poverty reduction in China, has become a powerful complement of rural financial development. The experience of all microfinance institutions, for the long-term goal of poverty eradication, microfinance institutions must adhere to the principle of poverty alleviation in at the same time, to ensure the sustainable development of the transition from welfare to the public of institutionalism. In China, the non-profit microfinance institutions are based on public interest can not rely on donations, self financing Welfare microfinance institutions. Their sources of instability, the level of management is low, facing many difficulties in the process of Marxism to public welfare system of microfinance in the transformation. How to realize the sustainable development of China's public welfare microfinance institutions, nonprofit microfinance to what the development trend has become the focus of academic circles and institutions the attention at present.
This paper consists of 5 parts: the first part introduces the research background and research significance, and research ideas and research methods, and the relevant literature at home and abroad were analyzed; the second part introduces the related theories of public welfare microfinance involves the concept and characteristics of public micro credit, analysis the necessity and function there are public welfare microfinance organizations; the third part carries on the analysis through the practice mode of several foreign microfinance institutions, summed up the foreign microfinance institutions have development experience and Revelation of the current development of China's public welfare microfinance institutions; the fourth part introduces the development process of China's public welfare microfinance, through to the country's largest the public welfare microfinance institutions and rural credit as an example, analyses the reasons of sustainable development and China's public welfare microfinance organizations are facing The fifth part, in combination with the development experience of microcredit institutions at home and abroad, puts forward some suggestions on the future development of microcredit in China.

【學(xué)位授予單位】：西南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4;F831.2

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