本文選題：小額信貸公司 + “三農(nóng)”　； 參考：《云南師范大學(xué)》2013年碩士論文

【摘要】：近年來，隨著我國(guó)四大國(guó)有商業(yè)銀行股改上市，經(jīng)營(yíng)鏈條收縮，縣支行經(jīng)營(yíng)機(jī)構(gòu)所剩無幾，逐步淡出農(nóng)村金融服務(wù)領(lǐng)域。農(nóng)村金融服務(wù)形成農(nóng)村信用社孤軍奮戰(zhàn)的基本格局。農(nóng)村經(jīng)濟(jì)發(fā)展，特別是解決新農(nóng)村建設(shè)發(fā)展問題，在融資方面受到了很大的制約，如何解決這一問題，如何解決制約農(nóng)村經(jīng)濟(jì)發(fā)展融資這一瓶頸問題成為了政府和理論界爭(zhēng)論長(zhǎng)期性話題。 本文從2006年獲得諾貝爾和平獎(jiǎng)的孟加拉經(jīng)濟(jì)學(xué)學(xué)家莫罕默德尤努斯在這一難題的研究上取得了突破性的進(jìn)展，創(chuàng)立了一種新型金融方式—小額信貸入手。通過對(duì)歐美、亞洲小額信貸模式發(fā)展成功的研究，通過對(duì)1993年我國(guó)社會(huì)科學(xué)院農(nóng)村發(fā)展研究所首次將孟加拉小額信貸模式引入，成立了“扶貧經(jīng)濟(jì)合作社”。特別是2004年以來，政府開始推出一系列支持小額信貸的政策來鼓勵(lì)發(fā)展小額信貸。至2011年12月末，全國(guó)共有小額貸款公司4282家，比2010年底的2614家增加加1668家，增速高達(dá)64%；貸款余額3915億元，比2010年的1975億元增加1940億元，增速高達(dá)98%的情況作為本文小額信貸的研究分析點(diǎn)。分析國(guó)內(nèi)小額信貸發(fā)展面臨的問題和相應(yīng)的政策環(huán)境，提成了云南為發(fā)展民營(yíng)經(jīng)濟(jì)，小微企業(yè)，“三農(nóng)”建設(shè)，小額信貸如何發(fā)展服務(wù)云南的分析與研究。 作為邊疆落后地區(qū)，小額信貸自1992年在云南實(shí)施試點(diǎn)以來，發(fā)展速度較為迅速，對(duì)云南農(nóng)村經(jīng)濟(jì)的發(fā)展，特別是農(nóng)村融資的不足起了巨大的作用。本文從云南小額信貸發(fā)展現(xiàn)狀及面臨困境的原因出發(fā)，對(duì)比國(guó)內(nèi)外小額信貸發(fā)展模式，闡述了在云南農(nóng)村實(shí)行小額信貸對(duì)云南農(nóng)村經(jīng)濟(jì)的作用，并就小額信貸在云南農(nóng)村施行中存在的問題進(jìn)行必要的分析，在此基礎(chǔ)上提出解決問題的基本思路。
[Abstract]:In recent years, with the reform of the stock market of the four state-owned commercial banks in China, the chain of operation shrinks, and there is little left of the management institutions of the county branches, which gradually fade out of the field of rural financial services. Rural financial services form the basic pattern of rural credit cooperatives fighting alone. Rural economic development, especially the problem of solving the problem of new rural construction and development, has been greatly restricted in terms of financing. How to solve this problem? How to solve the bottleneck of restricting the financing of rural economic development has become a long-term topic of debate between the government and the theorists. In this paper, the Bangladeshi economist Mohammed Yunus, who won the Nobel Peace Prize in 2006, has made a breakthrough in the research of this difficult problem, and has created a new financial method, micro-credit. Through the research on the successful development of microfinance model in Europe, America and Asia, and through the introduction of Bangladesh microfinance model to the Institute of Rural Development of Chinese Academy of Social Sciences in 1993, a "poverty alleviation economic cooperative" was established. Especially since 2004, the government has launched a series of policies to encourage the development of microcredit. By the end of December 2011, there were 4282 micro-loan companies nationwide, an increase of 1668 from 2614 at the end of 2010, an increase of 644.The balance of loans was 391.5 billion yuan, 194 billion yuan higher than the 197.5 billion yuan in 2010. The growth rate is as high as 98% as the research and analysis point of this paper. By analyzing the problems faced by the development of microfinance in China and the corresponding policy environment, this paper makes an analysis and research on how Yunnan can develop and serve Yunnan with the development of private economy, small and micro enterprises, the construction of agriculture, countryside and farmers, and the development of microfinance. As a backward frontier area, since the implementation of the pilot project in Yunnan in 1992, microfinance has developed rapidly, which has played a great role in the development of rural economy in Yunnan, especially in the shortage of rural financing. Based on the present situation of the development of micro-credit in Yunnan Province and the reasons for its difficulties, this paper compares the domestic and foreign micro-credit development models, and expounds the role of micro-credit in the rural areas of Yunnan on the rural economy of Yunnan. On the basis of the necessary analysis of the problems existing in the implementation of micro-credit in the rural areas of Yunnan Province, the basic ideas for solving the problems are put forward.
【學(xué)位授予單位】：云南師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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