本文選題：小額信用貸款　切入點(diǎn)：農(nóng)村　出處：《仲愷農(nóng)業(yè)工程學(xué)院》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：本文主要用了理論分析和實(shí)例分析兩種方法進(jìn)行論述。文章首先分析了小額信用貸款的含義和特點(diǎn)，進(jìn)而明確農(nóng)村小額信貸的內(nèi)涵。文章還對(duì)小額信貸產(chǎn)生的背景、國(guó)內(nèi)外發(fā)展趨勢(shì)及小額信貸模式的相關(guān)理論等幾個(gè)方面來(lái)進(jìn)行了分析。河源地處欠發(fā)達(dá)地區(qū)，小額農(nóng)貸發(fā)展相對(duì)滯后，其發(fā)展過(guò)程中呈現(xiàn)的各種矛盾更為復(fù)雜、更為特殊。農(nóng)村小額信用貸款可以推動(dòng)加快農(nóng)村的農(nóng)業(yè)生產(chǎn)結(jié)構(gòu)優(yōu)化的步伐，特別是在農(nóng)業(yè)、林業(yè)、漁業(yè)等各個(gè)產(chǎn)業(yè)方面，這有助于加快農(nóng)村貧困農(nóng)戶增收的步伐。筆者在相關(guān)的理論基礎(chǔ)上，通過(guò)對(duì)河源市實(shí)際情況的全面了解，重點(diǎn)闡述河源農(nóng)村地區(qū)發(fā)放小額信用貸款的主體運(yùn)作情況、小額信用貸款2009年到2013年的發(fā)放狀況、河源市小額信貸業(yè)務(wù)的運(yùn)行模式以及河源市發(fā)放貸款的管理流程。在此基礎(chǔ)上，，筆者進(jìn)一步剖析了不同發(fā)放主體之間機(jī)構(gòu)特征、信用風(fēng)險(xiǎn)管理以及信貸產(chǎn)品供需方面的特點(diǎn)，總結(jié)出河源農(nóng)村小額信用貸款發(fā)展過(guò)程中出現(xiàn)的問(wèn)題及其原因。河源市是一個(gè)山區(qū)城市，小額信貸發(fā)放主體在服務(wù)“三農(nóng)”的大前提下實(shí)現(xiàn)可持續(xù)發(fā)展，將有利于河源市農(nóng)村經(jīng)濟(jì)的發(fā)展、有利于農(nóng)民增收。本文歸納了河源市農(nóng)村小額信用貸款現(xiàn)狀以及實(shí)際操作中暴露出問(wèn)題，進(jìn)一步運(yùn)用swot剖析的方法對(duì)河源市實(shí)現(xiàn)小額信用貸款業(yè)務(wù)可持續(xù)發(fā)展的可能性進(jìn)行了闡述。結(jié)合河源市的實(shí)際情況和借鑒國(guó)內(nèi)外發(fā)展經(jīng)驗(yàn)，總結(jié)出河源農(nóng)村地區(qū)實(shí)現(xiàn)小額信貸可持續(xù)發(fā)展的建議。
[Abstract]:This article mainly uses the theory analysis and the example analysis two kinds of methods to carry on the elaboration. The article first analyzed the small credit loan the meaning and the characteristic, then clarified the rural small credit connotation, the article also to the microfinance production background, The development trend at home and abroad and the related theories of microfinance model are analyzed. Heyuan is located in underdeveloped areas, the development of small agricultural loans is relatively lagging behind, and the contradictions in its development process are more complex. More special. Rural micro-credit loans can accelerate the pace of optimizing the agricultural production structure in rural areas, especially in agriculture, forestry, fisheries and other industries. This will help accelerate the pace of increasing the income of poor rural households in rural areas. On the basis of relevant theories and through a comprehensive understanding of the actual situation in Heyuan City, the author focuses on the main operation of issuing micro-credit loans in Heyuan rural areas. From 2009 to 2013, the distribution of micro-credit, the mode of operation of micro-credit business in Heyuan City and the management process of granting loans in Heyuan City. On the basis of this, the author further analyzes the institutional characteristics among different issuing subjects. The characteristics of credit risk management and supply and demand of credit products are summarized. The problems and causes in the development of small credit loans in Heyuan rural areas are summarized. Heyuan City is a mountainous city. Under the premise of serving agriculture, rural areas and farmers, the main body of micro-credit will realize sustainable development, which will benefit the development of rural economy in Heyuan City. This paper sums up the present situation of rural small credit loan in Heyuan City and the problems exposed in the actual operation. The possibility of realizing the sustainable development of small credit loan business in Heyuan City is further expounded by using the method of swot analysis, combining with the actual situation of Heyuan City and drawing lessons from the development experience at home and abroad. The suggestion of realizing the sustainable development of micro credit in Heyuan rural area is summarized.
【學(xué)位授予單位】：仲愷農(nóng)業(yè)工程學(xué)院
【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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