本文選題：小額信貸 + 小額信貸保險　； 參考：《中南林業(yè)科技大學(xué)》2013年碩士論文

【摘要】：小額信用貸款是一種小規(guī)模的金融服務(wù)方式,它以城鄉(xiāng)低收入階層為服務(wù)對象。小額信用貸款主要通過金融服務(wù)的方式,為農(nóng)村低收入群眾以及小規(guī)模企業(yè)提供自主就業(yè)和自主發(fā)展的機(jī)會,并且通過這種方式,促進(jìn)它們走向自主生存和發(fā)展。小額信用貸款是一種金融服務(wù)方式的創(chuàng)新,同時也是一種扶貧的重要手段。小額信貸保險是保險公司在銀行向農(nóng)戶發(fā)放小額貸款時專為貸款農(nóng)戶提供的意外傷害或定期人身保險,一般涵蓋意外傷害身故或疾病身故責(zé)任。作為一個新興的農(nóng)村金融品類,小額信貸保險是“銀行保險化,保險銀行化”趨勢的典型代表,是保險公司大舉進(jìn)入農(nóng)村保險市場的橋頭堡�，F(xiàn)階段小額保險還有從農(nóng)村走向城市的發(fā)展趨勢。我們國家改革的歷程首先從農(nóng)村起步、率先在農(nóng)村突破,而改革開放又推動農(nóng)村發(fā)生翻天覆地的巨變。當(dāng)前,我國經(jīng)濟(jì)的發(fā)展正處于轉(zhuǎn)型階段,農(nóng)村經(jīng)濟(jì)發(fā)展關(guān)系到改革的成敗,而農(nóng)村發(fā)展的核心問題在于生產(chǎn)效率和分配公平的協(xié)調(diào),小額信貸可以同時達(dá)到這兩個目的。發(fā)展農(nóng)村小額信貸保險是突破小額信貸瓶頸的一項重要措施。在廣闊的云南農(nóng)村金融市場,小額信貸是一種新興的金融服務(wù)形勢,小額信貸保險的出現(xiàn)無疑為銀行規(guī)避發(fā)放貸款風(fēng)險,也為農(nóng)戶從事農(nóng)業(yè)生產(chǎn)工作起到了非常重要的保障作用。本文從小額信用貸款,云南小額信貸保險的類型、特征、業(yè)務(wù)模式和當(dāng)前存在的問題等幾個方面進(jìn)行調(diào)查研究,通過典型調(diào)查和抽樣調(diào)查相結(jié)合的調(diào)查統(tǒng)計方式進(jìn)行數(shù)據(jù)分析,進(jìn)而切合實際的對云南小額信貸保險發(fā)展提出相應(yīng)的對策和建議。
[Abstract]:Small-scale credit loan is a small-scale financial service, which is aimed at urban and rural low-income class. The micro-credit loan mainly through the way of the financial service, provides the independent employment and the independent development opportunity for the rural low income masses and the small scale enterprise, and through this way, promotes them to own existence and the development. Small credit loan is an innovation of financial service and an important means of poverty alleviation. Microcredit insurance is the accident injury or term life insurance that the insurance company provides specially for the loan farmer when the bank issues the small loan to the farmer, generally covers the accidental injury death or the illness death responsibility. As a new type of rural finance, micro-credit insurance is a typical representative of the trend of "bancassurance, insurance banking" and a bridgehead for insurance companies to enter the rural insurance market on a large scale. At the present stage, there is also a trend of development from rural areas to cities. The course of the reform of our country starts from the countryside, first breaks through in the countryside, and the reform and opening up promotes the rural area to take place the earth-shaking change. At present, the economic development of our country is in the transition stage, the development of the rural economy is related to the success or failure of the reform, and the core problem of the rural development lies in the coordination of the production efficiency and the fair distribution, which can be achieved by the micro-credit at the same time. Developing rural micro-credit insurance is an important measure to break through the bottleneck of micro-credit. In the vast rural financial market of Yunnan, microfinance is a new situation of financial services. The emergence of micro-credit insurance undoubtedly provides a way for banks to avoid the risk of issuing loans. Also engaged in agricultural production for farmers to play a very important role in ensuring. This paper investigates and studies the types, characteristics, business models and current problems of micro-credit loans, Yunnan micro-credit insurance, and makes data analysis through the combination of typical surveys and sample surveys. And then put forward corresponding countermeasures and suggestions to the development of Yunnan micro-credit insurance.
【學(xué)位授予單位】：中南林業(yè)科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.43;F842.6

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 呂秀萍;;中國保險業(yè)效率的影響因素分析[J];保險研究;2010年05期

2 杜慶鑫;;發(fā)展農(nóng)村小額保險支持農(nóng)村小額信貸持續(xù)健康發(fā)展[J];成人高教學(xué)刊;2008年05期

3 林杰;;保險與農(nóng)業(yè)信貸供求的“帕累托改進(jìn)”[J];福建金融;2008年06期

4 周健;;保險市場與農(nóng)村信貸市場的對接模式研究[J];改革與戰(zhàn)略;2009年05期

5 宋紹強(qiáng);;小額信貸保險發(fā)展研究[J];中國管理信息化;2010年12期

6 祁金星;楊煦;;北海市銀行業(yè)金融機(jī)構(gòu)“信貸+保險”業(yè)務(wù)情況調(diào)查[J];區(qū)域金融研究;2009年03期

7 楊澤云;楊宜;;淺析構(gòu)建我國中小企業(yè)融資體系[J];經(jīng)濟(jì)叢刊;2009年01期

8 李喜梅;;小額信貸與小額保險合作發(fā)展研究[J];經(jīng)濟(jì)問題;2010年05期

9 高權(quán);史曉琳;;我國農(nóng)戶小額信貸可持續(xù)發(fā)展研究體系述評[J];經(jīng)濟(jì)學(xué)動態(tài);2012年02期

10 俞愛平;張軍璞;;淺析中國農(nóng)村小額信貸保險[J];考試周刊;2008年22期

相關(guān)博士學(xué)位論文 前3條

1 王寧蘭;基于小額保險的小額信貸風(fēng)險防控研究[D];中國農(nóng)業(yè)科學(xué)院;2010年

2 張興;中國小額保險發(fā)展研究[D];南開大學(xué);2009年

3 李軍;我國涉農(nóng)信貸與保險耦合模式研究[D];中南大學(xué);2011年

，

本文編號：1963094