本文關(guān)鍵詞： 農(nóng)業(yè)貸款 小額信貸 包商銀行 興安盟　出處：《內(nèi)蒙古大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：近年來(lái),隨著國(guó)外小額信貸技術(shù)在發(fā)展中國(guó)家成功經(jīng)驗(yàn)的推廣,我國(guó)社會(huì)各界也對(duì)小額信貸給予了更多的關(guān)注,經(jīng)過(guò)一個(gè)階段的發(fā)展,我國(guó)農(nóng)村小額信貸在緩解農(nóng)村金融市場(chǎng)的貨幣供求矛盾、優(yōu)化農(nóng)村金融結(jié)構(gòu)等方面已取得了顯著的經(jīng)濟(jì)效應(yīng)。但截至目前,小額信貸的發(fā)展仍存在很多問(wèn)題,難以滿足社會(huì)經(jīng)濟(jì)發(fā)展的要求。為了促進(jìn)西部落后地區(qū)和廣大農(nóng)村區(qū)域的經(jīng)濟(jì)增長(zhǎng),并將這些地區(qū)的低收入人口納入經(jīng)濟(jì)發(fā)展的軌道,使這些地區(qū)能夠分享到經(jīng)濟(jì)增長(zhǎng)帶來(lái)的好處,中國(guó)的農(nóng)村小額信貸還需要發(fā)揮更多、更重要的作用。我們面臨的挑戰(zhàn)是多方面的,所以,為推進(jìn)小額信貸的健康發(fā)展,各金融機(jī)構(gòu)要積極為之創(chuàng)造更好的社會(huì)環(huán)境。本文將從我國(guó)“三農(nóng)”問(wèn)題提出的政策背景出發(fā),介紹國(guó)內(nèi)外有關(guān)農(nóng)村小額信貸的理論解釋,闡述有關(guān)農(nóng)村小額信貸定義、作用、發(fā)展模式等概念性問(wèn)題,以興安盟地區(qū)為例,結(jié)合入駐當(dāng)?shù)氐谝患夜煞葜粕虡I(yè)銀行-包商銀行近兩年的支農(nóng)業(yè)務(wù)盤點(diǎn)興安盟地區(qū)農(nóng)村小額信貸支農(nóng)業(yè)務(wù)發(fā)展現(xiàn)狀,歸納分析農(nóng)村小額信貸發(fā)展緩慢的一部分原因,并針對(duì)性的提出相對(duì)應(yīng)的建議。
[Abstract]:In recent years, with the successful experience of foreign microfinance technology in developing countries, our society has also given more attention to microfinance, through a stage of development. China's rural microfinance has achieved significant economic effects in alleviating the contradiction between the supply and demand of money in the rural financial market and optimizing the rural financial structure. However, up to now, there are still many problems in the development of micro-credit. It is difficult to meet the requirements of social and economic development. In order to promote the economic growth of the backward areas in the west and the vast rural areas, the low-income population in these areas will be brought into the orbit of economic development. To enable these regions to share the benefits of economic growth, China's rural microfinance needs to play a much more important role. The challenges we face are multifaceted, so. In order to promote the healthy development of microfinance, financial institutions should actively create a better social environment. This paper introduces the theoretical explanation of rural microfinance at home and abroad, and expounds some conceptual problems such as the definition, function and development model of rural microfinance, taking the area of XingUNITA as an example. Combined with the local first joint-stock commercial bank-contractor bank in the past two years of the agricultural business inventory XingUNITA area rural micro-credit agricultural support business development situation. This paper summarizes and analyzes some reasons for the slow development of rural microfinance, and puts forward corresponding suggestions.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33;F832.43

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