本文選題：農(nóng)村信剛社 + 小額信貸��； 參考：《內(nèi)蒙古農(nóng)業(yè)大學(xué)》2014年碩士論文

【摘要】：國際社會(huì)普遍認(rèn)為,小額信貸有效的緩解了貧困問題。因小額信貸功能的獨(dú)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(nóng)村金融服務(wù)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(dú)特的信貸工具被國際援助機(jī)構(gòu)和國內(nèi)非政府組織引入中國。這個(gè)階段,雖在扶貧方面取得了 一些效果,但組織機(jī)構(gòu)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(wù)；2000年,在政府和人民銀行的支持下,農(nóng)村信用社開始全面開展小額信貸業(yè)務(wù),發(fā)放“小額信用貸款”和“農(nóng)戶聯(lián)保貸款”并成為該項(xiàng)業(yè)務(wù)的主要力量。 農(nóng)村小額信貸作為農(nóng)村信用社的主營業(yè)務(wù)之一,既能解決農(nóng)民貸款難問題又能促進(jìn)農(nóng)民增收、推進(jìn)農(nóng)業(yè)產(chǎn)業(yè)化進(jìn)程、優(yōu)化農(nóng)村信用環(huán)境,為中國的社會(huì)主義 ‘新農(nóng)村”建設(shè)作出貢獻(xiàn)；同時(shí),農(nóng)村信用社通過小額信貸取得了可觀的交易費(fèi)用和利息收入、提高了營業(yè)額,增強(qiáng)了行業(yè)的競爭能力。中國農(nóng)村信用社小額信貸通過十多年的發(fā)展,服務(wù)覆蓋面和農(nóng)民的信貸數(shù)量有了很大的提升。但是,通過閱讀相關(guān)文獻(xiàn)和實(shí)地調(diào)研,農(nóng)村信用社小額信貸業(yè)務(wù)發(fā)展中存在著一些問題,阻礙了農(nóng)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(nóng)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(jié)出土左旗農(nóng)村信用社發(fā)展中存在的問題,提出相應(yīng)的解決措施,以幫助土左旗農(nóng)村信用社更快、更好的實(shí)現(xiàn)小額信貸業(yè)務(wù)的可持續(xù)發(fā)展以滿足農(nóng)民需求,進(jìn)而帶動(dòng)農(nóng)民增收、促進(jìn)當(dāng)?shù)剞r(nóng)村經(jīng)濟(jì)發(fā)展,為縮小城鄉(xiāng)經(jīng)濟(jì)差距作出貢獻(xiàn)。
[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(xué)位授予單位】：內(nèi)蒙古農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.35;F832.43

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