本文選題：農村信剛社 + 小額信貸　； 參考：《內蒙古農業(yè)大學》2014年碩士論文

【摘要】：國際社會普遍認為,小額信貸有效的緩解了貧困問題。因小額信貸功能的獨特性,為了解決貧困問題,發(fā)展中國家已把小額信貸作為農村金融服務的重要手段。1993年,孟加拉鄉(xiāng)村銀行的小額信貸模式作為一種扶貧理念和獨特的信貸工具被國際援助機構和國內非政府組織引入中國。這個階段,雖在扶貧方面取得了 一些效果,但組織機構的發(fā)展空間是有限的,不能持續(xù)的為貧困人群提供服務；2000年,在政府和人民銀行的支持下,農村信用社開始全面開展小額信貸業(yè)務,發(fā)放“小額信用貸款”和“農戶聯(lián)保貸款”并成為該項業(yè)務的主要力量。 農村小額信貸作為農村信用社的主營業(yè)務之一,既能解決農民貸款難問題又能促進農民增收、推進農業(yè)產業(yè)化進程、優(yōu)化農村信用環(huán)境,為中國的社會主義 ‘新農村”建設作出貢獻；同時,農村信用社通過小額信貸取得了可觀的交易費用和利息收入、提高了營業(yè)額,增強了行業(yè)的競爭能力。中國農村信用社小額信貸通過十多年的發(fā)展,服務覆蓋面和農民的信貸數(shù)量有了很大的提升。但是,通過閱讀相關文獻和實地調研,農村信用社小額信貸業(yè)務發(fā)展中存在著一些問題,阻礙了農戶的貸款行為。對此,本文通過對土默特左旗(以下簡稱土左旗)農村信用社的供給現(xiàn)狀和需求現(xiàn)狀分析,采用SWOT分析法,總結出土左旗農村信用社發(fā)展中存在的問題,提出相應的解決措施,以幫助土左旗農村信用社更快、更好的實現(xiàn)小額信貸業(yè)務的可持續(xù)發(fā)展以滿足農民需求,進而帶動農民增收、促進當?shù)剞r村經濟發(fā)展,為縮小城鄉(xiāng)經濟差距作出貢獻。
[Abstract]:The international community generally believes that microcredit has effectively alleviated the problem of poverty. Because of the unique function of microcredit, in order to solve the problem of poverty, developing countries have adopted microfinance as an important means of rural financial services. Grameen Bank's microcredit model has been introduced into China by international aid agencies and domestic NGOs as a concept of poverty alleviation and a unique credit tool. Although some results have been achieved in poverty alleviation at this stage, there is limited room for the development of organizations that can provide services to the poor on a sustainable basis. In 2000, with the support of the Government and the people's Bank, The rural credit cooperatives began to carry out the micro-credit business in an all-round way, issued "micro-credit loans" and "peasant household unsecured loans" and became the main force of the business. As one of the main business of the rural credit cooperatives, rural micro-credit cooperatives, as one of the main business, It can not only solve the problem of farmers' loan difficulties, but also promote farmers' income, promote the process of agricultural industrialization, optimize the rural credit environment, and contribute to the construction of China's socialist 'new countryside'. Rural credit cooperatives obtain considerable transaction costs and interest income through microfinance, increase turnover and enhance the competitiveness of the industry. Through the development of more than ten years, the service coverage and the amount of farmers' credit have been greatly improved. However, by reading relevant literature and field research, there are some problems in the development of micro-credit business of rural credit cooperatives, which hinder the farmers' lending behavior. In this paper, through the analysis of the supply and demand status of Tumerte Zuo Banner (hereinafter referred to as Tuzuo Banner), using SWOT analysis, the paper summarizes the problems existing in the development of Tuzuo Banner Rural Credit Cooperative, and puts forward the corresponding solutions. In order to help Tuzuo Banner Rural Credit Cooperatives faster and better realize the sustainable development of micro-credit business to meet the needs of farmers, and then promote farmers' income, promote the development of local rural economy, and contribute to narrowing the gap between urban and rural economy.
【學位授予單位】：內蒙古農業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.35;F832.43

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本文編號：1983743