本文選題：小額信貸　切入點：可持續(xù)發(fā)展　出處：《天津商業(yè)大學》2014年碩士論文　論文類型：學位論文

【摘要】：小額信貸是一種小規(guī)模的金融服務方式，服務于城鄉(xiāng)低收入階層，興起于上世紀70年代，之后在國際上快速發(fā)展。本文以科學發(fā)展觀為指導，通過對天津嘉和信小額貸款有限公司(以下簡稱嘉和信)經營現(xiàn)狀的深入了解與剖析，發(fā)現(xiàn)影響可持續(xù)發(fā)展的內外部因素，和針對如何使小額貸款公司可持續(xù)發(fā)展提出建議和對策，為我國小額貸款公司的可持續(xù)發(fā)展提供一定的借鑒與指導。作者覺得村鎮(zhèn)銀行雖然不是小額貸款公司必須的出路,但應該以此為目標，高標準的要求企業(yè)向這個方向發(fā)展，企業(yè)也能發(fā)展的更好。從實際情況出發(fā),小額貸款公司未來應該定位在“新型非存款類金融機構”，在肯定小額貸款公司金融機構性質的同時，不能偏離當初設立的初衷，要使小額貸款公司更好地為中小企業(yè)和三農服務，使其發(fā)揮更好的作用，使弱勢群體一樣享受到金融服務，在促進國民經濟的發(fā)展中發(fā)揮更大的作用。文著重從影響嘉和信小額貸款公司可持續(xù)發(fā)展的因素進行剖析，密切結合嘉和信小額貸款公司的成長實踐，，通過海量數(shù)據(jù)、實例和圖表的引用，對嘉和信發(fā)展的規(guī)律特點進行總結。力求較為準確、全面的解讀這一新型農村金融組織在我國的發(fā)展歷程。最后，分析影響和制約嘉和信發(fā)展的相關因素并提出對應的政策建議，希望能給予同行業(yè)公司一些借鑒。
[Abstract]:Microfinance is a kind of small-scale financial service, which serves the urban and rural low-income groups. It rose in -30s, and then developed rapidly in the world. This paper is guided by the scientific concept of development. Through the in-depth understanding and analysis of the present operating situation of Tianjin Jiahexin Microcredit Co., Ltd. (hereinafter referred to as Jiahe Xin), it is found that the internal and external factors affecting sustainable development are internal and external factors. And put forward suggestions and countermeasures on how to make the sustainable development of microfinance companies, and provide some reference and guidance for the sustainable development of microfinance companies in China. The author thinks that village banks are not the necessary way out for microfinance companies. However, we should take this as our goal. High standards require enterprises to develop in this direction, and enterprises can also develop better. Proceeding from the actual situation, In the future, microfinance companies should be positioned as "new types of non-deposit financial institutions." while affirming the nature of microfinance companies' financial institutions, they should not deviate from the original intention of establishing them. To enable microfinance companies to better serve small and medium-sized enterprises and agriculture, rural areas and farmers, so that they can play a better role in enabling vulnerable groups to enjoy financial services, To play a greater role in promoting the development of the national economy. This paper focuses on the analysis of the factors that affect the sustainable development of Jiahexin Microcredit Corporation, and closely combines the growth practice of Jiahhe Microcredit Corporation through massive data. The citation of examples and charts summarizes the characteristics of the law of Jia-he 's development, and tries to interpret the development course of this new rural financial organization in our country more accurately and comprehensively. Finally, This paper analyzes the relevant factors that influence and restrict the development of Jiahexin, and puts forward corresponding policy suggestions, hoping to give some reference to the same industry companies.
【學位授予單位】：天津商業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4

【參考文獻】

相關期刊論文 前3條

1 王學雷;;解決科技型中小企業(yè)貸款難的及時雨——讀《關于小額貸款公司試點的指導意見》[J];安徽科技;2008年12期

2 曹書華;陳菁菁;;小額貸款公司SWOT分析及可持續(xù)性研究[J];企業(yè)導報;2010年02期

3 王洪斌;胡玫;;中小金融機構研究:基于小額貸款公司發(fā)展的實踐分析[J];生產力研究;2009年12期

本文編號：1591942