本文選題：小額信貸 + 不對稱信息��； 參考：《貴州財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：隨著對貧困問題的關(guān)注的不斷加深，扶貧已成為當(dāng)今世界上最熱門的話題之一，人們煞費(fèi)苦心地為此獻(xiàn)計(jì)獻(xiàn)策，開展了長期的社會(huì)實(shí)驗(yàn)和實(shí)踐，希望能尋找到一條行之有效而又為廣大貧困人民樂于接受的最佳渠道，其中小額信貸被普遍認(rèn)為是一種有效的扶貧辦法。 小額信貸一般是指專向中低收入階層提供小額度的持續(xù)的信貸服務(wù)活動(dòng)，其本質(zhì)仍然是一種信貸方式。但由于小額信貸在一些地區(qū)成功地解決了正規(guī)金融機(jī)構(gòu)長期以來沒有解決的為窮人提供有效的信貸服務(wù)和同時(shí)實(shí)現(xiàn)信貸機(jī)構(gòu)自身持續(xù)發(fā)展的問題，而被眾多發(fā)展援助機(jī)構(gòu)和發(fā)展中國家的政府視為一種有效的扶貧方式，，也因此成為國民經(jīng)濟(jì)等領(lǐng)域的研究熱點(diǎn)。本文選擇了其中的小額信貸系統(tǒng)的運(yùn)行模式這個(gè)基礎(chǔ)性的課題進(jìn)行研究。本文研究的主要內(nèi)容有以下幾個(gè)方面： （1）分析小額信貸產(chǎn)生的背景，以及研究小額信貸所具有的現(xiàn)實(shí)意義。在對國內(nèi)外小額信貸的發(fā)展進(jìn)行綜述的基礎(chǔ)上，提出本文的研究內(nèi)容和框架結(jié)構(gòu)。 （2）對我國小額信貸系統(tǒng)的歷史進(jìn)行回顧與分析，闡述小額信貸的含義、理論根源、發(fā)展?fàn)顩r以及小額信貸對社會(huì)做出的貢獻(xiàn)。通過對我國不同歷史時(shí)期小額信貸系統(tǒng)的分析，總結(jié)小額信貸系統(tǒng)發(fā)揮的作用和存在的缺陷等。 （3）研究了孟加拉鄉(xiāng)村銀行模式、印度尼西亞的小額信貸體系等國外有代表性的小額信貸系統(tǒng)的特征及運(yùn)行的成功經(jīng)驗(yàn)，通過與國內(nèi)的小額信貸模式對比分析，發(fā)現(xiàn)差異，以提供可供借鑒之處。 （4）針對我國小額信貸業(yè)務(wù)的特點(diǎn)和存在的一系列問題，提出了我國新型小額信貸系統(tǒng)業(yè)務(wù)流程的改善措施和運(yùn)行模式的選擇方案。 （5）根據(jù)我國國情研究設(shè)計(jì)小額信貸系統(tǒng)運(yùn)行模式，解決包括貸款發(fā)放前的貸款農(nóng)戶的信用評價(jià)、小額信貸的利率確定、小額信貸的發(fā)放等主要問題。 本文研究運(yùn)用的主要方法是將國內(nèi)外小額信貸系統(tǒng)的發(fā)展進(jìn)行對比分析，最后進(jìn)行小額信貸系統(tǒng)運(yùn)行模式的研究設(shè)計(jì)，包括運(yùn)用層次分析法對信用評估模型的設(shè)計(jì)、資本資產(chǎn)定價(jià)模型對利率定價(jià)方式以及小額信貸發(fā)放管理的研究。 最后，在前文分析的基礎(chǔ)上，文章得出了相應(yīng)結(jié)論并分別從宏觀層面、信貸管理過程和技術(shù)層面提出了政策建議。
[Abstract]:With the increasing attention to the problem of poverty, poverty alleviation has become one of the hottest topics in the world today. People have made painstaking suggestions and carried out long-term social experiments and practices. We hope to find an effective and acceptable channel for the poor people, in which microcredit is generally regarded as an effective way to alleviate poverty. Microcredit generally refers to providing small amount of continuous credit services to the middle and low income groups, and its essence is still a form of credit. However, since microcredit has succeeded in solving in some regions the long-standing problem of providing effective credit services to the poor and achieving the sustainable development of the credit institutions themselves, which formal financial institutions have not been able to address for a long time, It is regarded by many development aid agencies and governments of developing countries as an effective way to alleviate poverty, so it has become a research hotspot in the fields of national economy and other fields. This paper chooses the operation mode of microfinance system as the basic subject to study. The main contents of this paper are as follows: (1) analyzing the background of microfinance and the practical significance of studying microfinance. On the basis of summarizing the development of microfinance at home and abroad, this paper puts forward the research content and frame structure of this paper. (2) reviewing and analyzing the history of microfinance system in China, expounding the meaning and theoretical origin of microfinance. The state of development and the contribution of microcredit to society. Based on the analysis of the microfinance system in different historical periods in China, the paper summarizes the role and shortcomings of the microcredit system. (3) the paper studies the model of rural bank in Bangladesh. Indonesia's microfinance system and other representative foreign microfinance system characteristics and successful experience in operation, through comparative analysis with the domestic microfinance model, found differences. In order to provide reference. (4) in view of the characteristics of microfinance business and a series of problems, This paper puts forward the measures to improve the business process and the choice of the operation mode of the new microfinance system in China. (5) according to the national conditions of our country, the operating mode of the micro-credit system is designed. The main problems include the credit evaluation of the farmers before the loan issuance, the determination of the interest rate of the micro-credit, the granting of the micro-credit and so on. The main method of this paper is to compare and analyze the development of microfinance system at home and abroad, and finally to design the operation mode of microfinance system, including the design of credit evaluation model by AHP. Capital asset pricing model on interest rate pricing and microfinance management. Finally, on the basis of the previous analysis, the paper draws the corresponding conclusions and puts forward policy recommendations from the macroscopic level, the credit management process and the technical level.
【學(xué)位授予單位】：貴州財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前3條

1 楊家才;農(nóng)戶小額信用貸款實(shí)證研究[J];金融研究;2003年03期

2 徐澤水,達(dá)慶利;一種基于可能度的區(qū)間判斷矩陣排序法[J];中國管理科學(xué);2003年01期

3 何廣文;以金融創(chuàng)新促進(jìn)農(nóng)村信用社小額貸款業(yè)務(wù)健康發(fā)展[J];中國農(nóng)村信用合作;2002年02期

本文編號：2088695