本文關(guān)鍵詞： 彭山 農(nóng)村 小額信貸發(fā)展　出處：《西南財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：伴隨我國經(jīng)濟(jì)體制改革的不斷深化和社會(huì)主義市場經(jīng)濟(jì)體制的確立,金融業(yè)的市場化趨勢(shì)也逐漸明顯,近年來無論是在金融體制還是金融產(chǎn)品上創(chuàng)新層出不窮。但與金融業(yè)市場化發(fā)展不協(xié)調(diào)的是城鄉(xiāng)金融發(fā)展差距進(jìn)一步拉大,金融業(yè)也逐漸顯現(xiàn)出了城鄉(xiāng)二元化的結(jié)構(gòu)特征。農(nóng)村金融發(fā)展的滯后甚至已經(jīng)成為制約農(nóng)村經(jīng)濟(jì)發(fā)展的瓶頸因素,為了破解農(nóng)村金融資源匱乏的難題,農(nóng)村小額信用貸款制度應(yīng)運(yùn)而生,作為一種具有扶貧性與市場性相結(jié)合的新型貸款模式,農(nóng)村小額信貸對(duì)于滿足低收入農(nóng)戶群體的資金需求,有效發(fā)揮金融的激勵(lì)與約束作用,促進(jìn)農(nóng)村信貸市場的繁榮,繼而促進(jìn)農(nóng)村經(jīng)濟(jì)發(fā)展,縮小城鄉(xiāng)收入差距,都發(fā)揮了重要作用,已經(jīng)成為我國農(nóng)村金融體系不可或缺的有益補(bǔ)充。但是在農(nóng)村小額信貸具體的實(shí)踐過程中,由于各地區(qū)經(jīng)濟(jì)社會(huì)發(fā)展水平的不一致,很難有一套放之四海而皆準(zhǔn)的小額信貸操作標(biāo)準(zhǔn),這就需要按照各個(gè)地區(qū)不同的經(jīng)濟(jì)發(fā)展水平、社會(huì)特色結(jié)構(gòu)等探索適合自身實(shí)際的小額信貸發(fā)展模式。 本文正是在這樣的背景之下,選擇筆者工作和生活的四川彭山縣為例,以實(shí)地調(diào)研為契機(jī),全面了解了彭山縣目前農(nóng)村小額信貸業(yè)務(wù)的開展現(xiàn)狀,通過調(diào)研發(fā)現(xiàn),目前仍然存在諸多問題,,如小額信貸辦理手續(xù)復(fù)雜、評(píng)級(jí)授信真實(shí)性難以保證、貸款證問題、年齡限制問題、貸款期限問題、貸款金額問題以及風(fēng)險(xiǎn)保障措施不健全,都對(duì)農(nóng)村小額信貸的可持續(xù)發(fā)展帶來阻礙,本文在借鑒國外成熟農(nóng)村小額信貸經(jīng)驗(yàn)的基礎(chǔ)上,結(jié)合彭山縣目前的實(shí)際情況,從開展農(nóng)村小額信貸的各項(xiàng)相關(guān)政策、轉(zhuǎn)變政府職能、業(yè)務(wù)流程及管理措施的優(yōu)化完善、建立健全激勵(lì)約束機(jī)制、完善和創(chuàng)新農(nóng)村小額信貸的服務(wù)體系以及完善農(nóng)村小額信貸的風(fēng)險(xiǎn)保障措施等幾個(gè)方面提出了有針對(duì)性的對(duì)策建議,力爭使農(nóng)村小額信貸可以成為更多的農(nóng)民脫貧致富的重要方式,將最終推動(dòng)農(nóng)戶小額信貸的不斷發(fā)展。
[Abstract]:With the deepening of China's economic system reform and the establishment of socialist market economic system, the market-oriented trend of the financial industry is gradually obvious. In recent years, whether in the financial system or financial products, innovation is endless. However, the gap between urban and rural financial development is further widening, which is not in harmony with the market-oriented development of the financial industry. The rural financial development lags behind has even become the bottleneck factor that restricts the rural economic development, in order to solve the problem of the lack of rural financial resources. Rural micro-credit system emerged as the times require, as a new type of loan model with the combination of poverty alleviation and market, rural micro-credit to meet the financial needs of low-income farmers. Effective play the role of financial incentives and constraints to promote the prosperity of rural credit markets, and then promote the development of rural economy, reduce the income gap between urban and rural areas, have played an important role. It has become an indispensable and beneficial supplement to the rural financial system in our country. However, in the concrete practice of rural micro-credit, the level of economic and social development in different regions is not consistent. It is very difficult to have a set of universal standard of microfinance operation, which needs to explore a suitable mode of microfinance development according to the different economic development level and social characteristic structure of each region. It is under this background that this paper chooses Pengshan County, where I work and live, as an example, and takes the field investigation as an opportunity to comprehensively understand the current development situation of rural micro-credit business in Pengshan County. Through the investigation, there are still many problems, such as the complex procedures of micro-credit processing, the authenticity of credit rating is difficult to guarantee, the issue of credit card, age limit, loan term. The problem of loan amount and the imperfect risk protection measures are all hindering the sustainable development of rural micro-credit. This paper draws lessons from the experience of foreign mature rural micro-credit. According to the current situation of Pengshan County, from the development of rural micro-credit policies, the transformation of government functions, business processes and management measures to optimize and improve the establishment of a sound incentive and restraint mechanism. Improving and innovating the service system of rural micro-credit and perfecting the risk protection measures of rural micro-credit put forward targeted countermeasures and suggestions. Strive to make rural micro-credit become an important way for more farmers to get rid of poverty and become rich, which will eventually promote the continuous development of micro-credit.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.43

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本文編號(hào)：1444882