本文關(guān)鍵詞： 弱勢(shì)群體 小額貸款 作用 風(fēng)險(xiǎn) 分析　出處：《西南交通大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著經(jīng)濟(jì)體制改革和社會(huì)結(jié)構(gòu)調(diào)整,我國(guó)出現(xiàn)了一批新型的經(jīng)濟(jì)困難人群,他們當(dāng)中部分暫時(shí)喪失勞動(dòng)力或生產(chǎn)資料,部分身體健康有勞動(dòng)力但遭遇風(fēng)險(xiǎn)。無疑,這些人成為了下崗失業(yè)人員的主力軍,而大量的失業(yè)現(xiàn)象必將導(dǎo)致嚴(yán)重的社會(huì)問題。因此,如何正確引導(dǎo)弱勢(shì)群體,為他們提供一個(gè)創(chuàng)業(yè)或再就業(yè)的平臺(tái),成為解決弱勢(shì)群體大量失業(yè)現(xiàn)象的首要前提。 本文在分析小額貸款的原理、案例以及在借鑒國(guó)內(nèi)外小額貸款幫扶弱勢(shì)群體創(chuàng)業(yè)再就業(yè)成功經(jīng)驗(yàn)的基礎(chǔ)上,試圖尋找的一種新的途徑：采用小額貸款這種“造血式”的市場(chǎng)經(jīng)濟(jì)行為,有效地幫扶、啟動(dòng)弱勢(shì)群體創(chuàng)業(yè)再就業(yè),使他們更好地參與到社會(huì)經(jīng)濟(jì)活動(dòng)中,讓他們獲得更多的經(jīng)濟(jì)利益,提高生活水平和質(zhì)量。同時(shí),小額貸款本身是一種市場(chǎng)經(jīng)濟(jì)行為,,勢(shì)必承擔(dān)運(yùn)行的風(fēng)險(xiǎn)。如何更加有效地規(guī)避小額貸款在運(yùn)營(yíng)過程中的風(fēng)險(xiǎn),是目前需要解決的一個(gè)重要的問題。針對(duì)這個(gè)問題,本文提出了相應(yīng)的解決方案。 本文通過對(duì)案例的分析,說明小額貸款在促進(jìn)相應(yīng)人群創(chuàng)業(yè)再就業(yè)中,起到較為積極有效的作用。小額貸款的正確使用提升了部分弱勢(shì)群體的經(jīng)濟(jì)水平,使他們的生活經(jīng)濟(jì)狀況得到了明顯改善。繼續(xù)加強(qiáng)小額貸款在市場(chǎng)經(jīng)濟(jì)活動(dòng)中的風(fēng)險(xiǎn)規(guī)避,使其更加健全、有效地運(yùn)轉(zhuǎn)起來；同時(shí)把小額貸款作為一種幫扶手段而有效地促進(jìn)弱勢(shì)群體的創(chuàng)業(yè)再就業(yè),必將成為解決我國(guó)經(jīng)濟(jì)高速發(fā)展與貧困弱勢(shì)群體矛盾的重要途徑。
[Abstract]:With the reform of the economic system and the adjustment of the social structure, a new group of people with economic difficulties have emerged in our country, some of whom have temporarily lost their labor force or the means of production. No doubt, these people have become the main force of the laid-off and unemployed, and a large number of unemployment will lead to serious social problems. Therefore, how to correctly guide the vulnerable groups. To provide them with a platform for entrepreneurship or re-employment is the first prerequisite to solve the problem of mass unemployment of vulnerable groups. This paper analyzes the principle of microfinance, cases and in the domestic and foreign micro-loans to help vulnerable groups on the basis of successful employment experience. Try to find a new way: to adopt the "hematopoiesis" market economy behavior of micro-loan, to help effectively, to start the weak group to start a business and re-employment, so that they can participate in the social and economic activities better. Let them get more economic benefits, improve living standards and quality. At the same time, microfinance itself is a market economy behavior. It is an important problem that needs to be solved at present how to avoid the risk of microfinance in the course of operation more effectively. In view of this problem, this paper puts forward the corresponding solution. Through the analysis of cases, this paper shows that microfinance plays a more active and effective role in promoting the employment of the corresponding groups. The correct use of microfinance has improved the economic level of some vulnerable groups. Their living and economic conditions have been significantly improved. Continue to strengthen micro-credit in market economic activities to avoid risks, make it more sound, effective operation; At the same time, it will become an important way to solve the contradiction between the rapid development of economy and the poor and vulnerable groups by effectively promoting the entrepreneurship and re-employment of the vulnerable groups as a means of helping them.
【學(xué)位授予單位】：西南交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F249.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 劉衛(wèi)紅;胡亦夏;;農(nóng)村小額信貸的風(fēng)險(xiǎn)分析及對(duì)策[J];現(xiàn)代農(nóng)業(yè)科技;2008年06期

2 李修平;;“只貸不存”小額貸款公司的風(fēng)險(xiǎn)及對(duì)策[J];當(dāng)代經(jīng)濟(jì);2009年04期

3 湯建光;李江;莊士誠(chéng);;就業(yè)弱勢(shì)群體就業(yè)問題探索[J];當(dāng)代財(cái)經(jīng);2006年11期

4 蘭益江;農(nóng)村經(jīng)濟(jì)與農(nóng)戶小額信用貸款問題研究[J];福建金融;2004年10期

5 陳穎健;;小額貸款公司監(jiān)管的法律思考[J];金融理論與實(shí)踐;2010年03期

6 陳平;;當(dāng)前小額貸款公司運(yùn)行面臨的難點(diǎn)及建議[J];金融縱橫;2008年12期

7 王耀光;;探索幫扶弱勢(shì)群體就業(yè)[J];中國(guó)勞動(dòng);2006年11期

8 中國(guó)人民銀行通化市中心支行課題組;呂杰;李俊峰;;小額貸款公司發(fā)展面臨瓶頸制約[J];吉林金融研究;2011年01期

9 王曉忠;榮冶;劉勇;;對(duì)小額貸款公司發(fā)展情況的調(diào)查與分析[J];吉林金融研究;2011年02期

10 張麗萍;;改革管理辦法 推動(dòng)小額貸款公司健康快速發(fā)展[J];決策探索(下半月);2011年08期

，

本文編號(hào)：1463907