本文關(guān)鍵詞： 農(nóng)村小額信貸 可持續(xù)發(fā)展 社會(huì)績(jī)效 業(yè)務(wù)績(jī)效　出處：《山東財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：20世紀(jì)90年代初期，我國(guó)初步試點(diǎn)小額信貸業(yè)務(wù)，截至今日，我國(guó)的小額信貸業(yè)務(wù)已實(shí)現(xiàn)規(guī)�；l(fā)展，為無數(shù)貧困人口脫貧致富，進(jìn)入小康生活提供了必要的支持與幫助。但是國(guó)際國(guó)內(nèi)經(jīng)濟(jì)形勢(shì)日新月異，特別是農(nóng)村經(jīng)濟(jì)發(fā)展蒸蒸日上，迫切需要我們對(duì)小額信貸的相關(guān)理論進(jìn)行更加系統(tǒng)深入的研究。山東省做為我國(guó)的一個(gè)農(nóng)業(yè)大省，農(nóng)村經(jīng)濟(jì)在全省經(jīng)濟(jì)中份額較重，對(duì)小額信貸的發(fā)展研究更是不容忽視。雖然小額信貸自開展以來，在緩解山東省三農(nóng)問題上發(fā)揮了積極作用。但是在運(yùn)行中仍然存在著諸如信用環(huán)境差、政府職能缺失、小額信貸收益低等問題，急需對(duì)這些問題進(jìn)行梳理、解決，引導(dǎo)其可持續(xù)發(fā)展。 本文共分為六個(gè)部分：第一章介紹了小額信貸的背景、意義，并詳述了當(dāng)前關(guān)于小額信貸的文獻(xiàn)研究成果；第二章介紹了小額信貸的基本理論知識(shí)，其中對(duì)小額信貸可持續(xù)發(fā)展的衡量標(biāo)準(zhǔn)做了著重描述；第三章以山東省為例，概述了小額信貸的發(fā)展條件及發(fā)展歷程，并深入剖析了其供求現(xiàn)狀；第四章主要根據(jù)當(dāng)前山東省小額信貸的實(shí)踐數(shù)據(jù)，，實(shí)證分析小額信貸可持續(xù)發(fā)展具有可行性；第五章分別從環(huán)境、政府、內(nèi)部機(jī)制三個(gè)層次上指出制約小額信貸可持續(xù)發(fā)展的主要因素；第六章針對(duì)前文中提到的制約因素，為小額信貸的可持續(xù)發(fā)展提出了科學(xué)、有效的政策建議。
[Abstract]:In the beginning of 1990s, our country initially pilot microfinance business. As of today, the microfinance business in our country has achieved large-scale development, helping countless poor people to get rid of poverty and become rich. Entering a well-off life has provided the necessary support and help. However, the international and domestic economic situation is changing with each passing day, especially the development of the rural economy is booming. There is an urgent need for us to conduct a more systematic and in-depth study on the related theories of microfinance. As a large agricultural province in China, Shandong Province has a heavy share of the rural economy in the economy of the province. Although microfinance has played an active role in alleviating the problems of agriculture, rural areas and farmers in Shandong Province since it was launched, there are still some problems such as poor credit environment and lack of government functions. It is urgent to sort out, solve and guide its sustainable development because of the low income of microfinance. This paper is divided into six parts: the first chapter introduces the background and significance of microfinance, and describes the current literature on microfinance, the second chapter introduces the basic theoretical knowledge of microfinance. The third chapter takes Shandong Province as an example, summarizes the development conditions and development process of microfinance, and deeply analyzes the current situation of supply and demand. Chapter 4th mainly based on the current practice data of microfinance in Shandong Province, empirical analysis of microfinance sustainable development feasibility; 5th chapter from the environment, the government, The main factors restricting the sustainable development of microfinance are pointed out in three levels of internal mechanism. Chapter 6th puts forward scientific and effective policy recommendations for the sustainable development of microfinance in view of the constraints mentioned above.
【學(xué)位授予單位】：山東財(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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