本文選題：小額貸款 + 商業(yè)銀行　； 參考：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：小額貸款作為一個(gè)新生事物被提出后很快得到了世界各國(guó)的認(rèn)可,它不僅可以作為扶貧的手段之一,也可成為促進(jìn)經(jīng)濟(jì)發(fā)展的輔助力量。隨著我國(guó)政府不斷加大對(duì)“三農(nóng)”產(chǎn)業(yè)的投入以及對(duì)中小企業(yè)進(jìn)行融資幫扶行動(dòng),小額貸款行業(yè)即將獲得一個(gè)巨大的市場(chǎng)需求和良好的政策環(huán)境,并有望快速崛起,成為金融市場(chǎng)上的重要力量。 目前我國(guó)已經(jīng)形成了以農(nóng)業(yè)銀行、農(nóng)村信用社、中國(guó)郵政儲(chǔ)蓄銀行為主導(dǎo),農(nóng)業(yè)發(fā)展銀行、其他中小商業(yè)銀行和小額貸款公司等為補(bǔ)充的多層次、多元化的小額信貸市場(chǎng)格局。受益的對(duì)象主要包括：中小微型企業(yè)、個(gè)體經(jīng)營(yíng)者、農(nóng)戶(hù)等等。小額貸款的前景本是一番欣欣向榮的景象,然而溫州信貸危機(jī)的爆發(fā)使得人們重新審視、思考了當(dāng)下小額貸款業(yè)務(wù)的現(xiàn)狀,雖是發(fā)展勢(shì)頭大好,卻大多數(shù)是表面功夫,沒(méi)有落實(shí)到實(shí)處。當(dāng)前,新興的小額貸款行業(yè)雖然受到國(guó)家的政策支持,但是還沒(méi)有形成一個(gè)成熟的行業(yè)規(guī)模。小額貸款公司的數(shù)量在逐年遞增,已經(jīng)達(dá)到了6000多家,其中大部分的抗風(fēng)險(xiǎn)能力都較低。然而想要降低風(fēng)險(xiǎn)就又需要對(duì)貸款客戶(hù)提高要求,那么很多中小企業(yè)就無(wú)法通過(guò)貸款的審批了。因此,借款方與貸款方都還未形成雙方互利、共同發(fā)展的局面。目前,我國(guó)的資本市場(chǎng)還不夠發(fā)達(dá),金融市場(chǎng)體系也不太完善,在今后的發(fā)展中應(yīng)揚(yáng)長(zhǎng)避短,開(kāi)拓創(chuàng)新,探索出適合我國(guó)的有特色的小額貸款發(fā)展之路。 本文以溫州借貸危機(jī)為例,分別調(diào)查研究了我國(guó)商業(yè)銀行和小額貸款公司的小額貸款業(yè)務(wù)開(kāi)展情況,并與國(guó)外發(fā)展小額貸款的成功與失敗案例進(jìn)行對(duì)比,從而分析出我國(guó)在小額貸款業(yè)務(wù)開(kāi)展方面具有哪些優(yōu)勢(shì),找出還可能存在的問(wèn)題與不足。最終結(jié)合我國(guó)具體國(guó)情,提出一些較為合理的改進(jìn)建議。
[Abstract]:Microfinance, as a new thing, has been recognized by many countries in the world soon after it was put forward. It can not only be used as a means of poverty alleviation, but also a auxiliary force to promote economic development.With the Chinese government increasing its investment in the "three rural" industries and financing the small and medium-sized enterprises, the microfinance industry is about to obtain a huge market demand and a good policy environment, and it is expected to rise rapidly.To become an important force in the financial market.At present, China has formed a multi-level and diversified micro-credit market, which is supplemented by Agricultural Bank, Rural Credit Cooperatives, Postal savings Bank of China, Agricultural Development Bank, other small and medium-sized commercial banks and micro-credit companies.The beneficiaries include: small and medium-sized micro-enterprises, self-employed, farmers and so on.The prospect of microfinance is a scene of prosperity. However, the outbreak of the Wenzhou credit crisis has made people re-examine and reflect on the current situation of microfinance business. Although the development momentum is good, most of them are superficial efforts.It has not been put into practice.At present, although the emerging microfinance industry is supported by national policies, it has not yet formed a mature industry scale.The number of microfinance companies has increased year by year, to more than 6000, most of which are less resistant to risk.However, if we want to reduce the risk, we need to raise the requirements of loan customers, so many small and medium-sized enterprises can not pass the loan approval.Therefore, the borrowers and lenders have not yet formed a mutually beneficial, common development situation.At present, the capital market of our country is not developed enough, and the financial market system is not perfect. In the future development, we should take advantage of the advantages and avoid the weaknesses, open up and innovate, and explore the developing road of the characteristic small loans which is suitable for our country.Taking the Wenzhou loan crisis as an example, this paper investigates and studies the development of microfinance business of commercial banks and microfinance companies in China, and compares it with the success and failure cases of developing microfinance in foreign countries.Then it analyzes the advantages of our country in the development of microfinance business, and finds out the possible problems and shortcomings.Finally, combined with the specific situation of our country, some more reasonable suggestions for improvement are put forward.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.4

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本文編號(hào)：1760631