本文選題：農(nóng)村信用社 + 小額信貸　； 參考：《安徽財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：在我國(guó)農(nóng)村地區(qū),貧困群體需要金融機(jī)構(gòu)的資金支持,然而由于信貸成本、市場(chǎng)定位等原因,一些金融機(jī)構(gòu)并不能滿足這些農(nóng)戶對(duì)金融服務(wù)的需要。而小額信貸是一項(xiàng)專(zhuān)門(mén)為低收入農(nóng)戶和貧困農(nóng)戶服務(wù)的創(chuàng)新產(chǎn)品,正是由于這種特征,使得小額信貸必然的與貧困聯(lián)系在一起。在政策的要求和市場(chǎng)的需求雙重刺激下,小額信貸越來(lái)越受到歡迎,引起了眾多的關(guān)注。 六安農(nóng)村地區(qū)貧困農(nóng)戶分布集中且廣泛,正是由于這種貧困,這些農(nóng)戶根本不具備擔(dān)保能力,從而無(wú)法從金融機(jī)構(gòu)中取得貸款。隨著國(guó)有商業(yè)銀行逐步從縣域經(jīng)濟(jì)以下的撤退,六安市農(nóng)村信用合作社成為當(dāng)?shù)胤种C(jī)構(gòu)最多的農(nóng)村正規(guī)金融機(jī)構(gòu)和金融市場(chǎng)主要的金融機(jī)構(gòu)。六安市農(nóng)信社的小額信貸業(yè)務(wù)不僅解決了農(nóng)戶的貸款的難題,而且減輕了政府的負(fù)擔(dān)。所以在六安市,農(nóng)信社的小額信貸業(yè)務(wù)受到了包括當(dāng)?shù)馗骷?jí)政府的歡迎。鑒于這種現(xiàn)狀,本文通過(guò)對(duì)六安市農(nóng)村信用社的調(diào)查研究,主要是從以下三方面展開(kāi)：一、農(nóng)信社小額信貸在六安農(nóng)村金融市場(chǎng)中的地位；二、六安市農(nóng)村信用社小額信貸的運(yùn)行模式；三、六安市農(nóng)村信用社小額信貸的效率分析。從上述三個(gè)方面分析農(nóng)村信用社在發(fā)展小額信貸業(yè)務(wù)的時(shí)候出現(xiàn)的問(wèn)題,得到了如下原因：第一,六安市農(nóng)村信用社歷史遺留問(wèn)題過(guò)多；第二,六安市農(nóng)村信用社對(duì)小額信貸的認(rèn)識(shí)存在偏差；第三,六安地區(qū)農(nóng)戶的經(jīng)營(yíng)意識(shí)和經(jīng)營(yíng)能力普遍較差；第四,六安市農(nóng)村信用社信貸客戶經(jīng)理素質(zhì)偏低。 從這些問(wèn)題中,得到一些有利于六安市農(nóng)村信用社小額信貸可持續(xù)發(fā)展的建議：第一,規(guī)范農(nóng)戶小額信貸管理；第二,加強(qiáng)農(nóng)村信用社與擔(dān)保公司的合作；第三,完善農(nóng)村信用體系建設(shè)；第四,轉(zhuǎn)變觀念,提高信貸人員素質(zhì)。借此提升六安市農(nóng)村信用社的市場(chǎng)競(jìng)爭(zhēng)力。
[Abstract]:In the rural areas of China, the poor groups need the financial support of financial institutions. However, due to the cost of credit, market positioning and other reasons, some financial institutions can not meet the needs of these farmers for financial services. Microfinance is a special service for low-income farmers and poor farmers of the innovative product, it is precisely because of this feature, make microfinance inevitably linked to poverty. Under the dual stimulation of policy requirements and market demand, microcredit has become more and more popular and attracted a lot of attention. The poor farmers in Luan rural areas are concentrated and widely distributed. It is precisely because of this kind of poverty that these farmers do not have the ability to guarantee, so they can not obtain loans from financial institutions. With the gradual withdrawal of state-owned commercial banks from the county economy, the rural credit cooperatives of Lu'an City have become the rural formal financial institutions with the largest number of local branches and the main financial institutions in the financial market. The microfinance business of Lu'an Rural Credit Cooperative not only solves the problem of farmers' loan, but also lightens the burden on the government. So in Lu'an, the micro-credit business of RCCs has been welcomed by local governments at all levels. In view of this situation, through the investigation and research of the rural credit cooperatives in Lu'an, this paper mainly starts from the following three aspects: first, the status of micro-credit in the rural financial market of Lu'an; second, Third, the efficiency analysis of the micro-credit of the rural credit cooperatives in Lu'an. From the above three aspects of rural credit cooperatives in the development of micro-credit business problems, obtained the following reasons: first, Luan City rural credit cooperatives history left too many problems; second, There are deviations in the understanding of micro-credit in the rural credit cooperatives of Lu'an. Thirdly, the management consciousness and management ability of farmers in Luan are generally poor; fourth, the quality of credit account managers of rural credit cooperatives in Lu'an is on the low side. From these problems, we get some suggestions for the sustainable development of micro-credit of rural credit cooperatives in Lu'an: first, to regulate the management of micro-credit among farmers; second, to strengthen the cooperation between rural credit cooperatives and guarantee companies; third, to strengthen the cooperation between rural credit cooperatives and guarantee companies; third, Improve the construction of rural credit system; fourth, change ideas, improve the quality of credit personnel. In order to enhance the market competitiveness of rural credit cooperatives in Lu'an City.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.4

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