【摘要】：經(jīng)濟(jì)繁榮是金融發(fā)展的根基,經(jīng)濟(jì)發(fā)展水平?jīng)Q定了金融發(fā)展水平。反過來,健全健康的金融體系又會(huì)促進(jìn)經(jīng)濟(jì)的增長(zhǎng)。 民族地區(qū)環(huán)境多樣且特殊,經(jīng)濟(jì)發(fā)展模式與金融發(fā)展模式必定與東部地區(qū)不同,如何因地制宜地動(dòng)員各類社會(huì)資金投入,并且高效的運(yùn)用于民族地區(qū)的建設(shè),最大限度的給與金融支持,促進(jìn)收入增長(zhǎng),實(shí)現(xiàn)農(nóng)村經(jīng)濟(jì)良性發(fā)展,給民族地區(qū)的社會(huì)帶來實(shí)實(shí)在在的變化,是具有現(xiàn)實(shí)意義的,是政府和學(xué)術(shù)界正在關(guān)注的,也一直是我想研究的問題。 目前,以國(guó)內(nèi)民族地區(qū)金融發(fā)展的研究主要集中在兩方面,一方面是民族地區(qū)研究經(jīng)濟(jì)增長(zhǎng)與金融發(fā)展的關(guān)系。另一方面則是研究民族地區(qū)金融機(jī)構(gòu)經(jīng)營(yíng)管理的具體實(shí)務(wù)。在孟加拉國(guó)專門從事農(nóng)戶小額信貸的“窮人銀行”取得巨人成功后引起世界的矚目,在國(guó)際范圍內(nèi)掀起了從各個(gè)角度研究推廣小額貸款業(yè)務(wù)以促進(jìn)不發(fā)達(dá)地區(qū)發(fā)展的浪潮。但是以國(guó)內(nèi)某一具體民族地區(qū)的小額信貸為對(duì)象的研究并不充分。 小額信貸作為一種金融創(chuàng)新形式,為問題的解決提供了一種新的思路。希望通過此項(xiàng)研究,借鑒國(guó)內(nèi)外小額信貸發(fā)展理論和實(shí)踐,總結(jié)小額信貸的發(fā)展的規(guī)律,對(duì)臨夏州小額信貸發(fā)展現(xiàn)狀進(jìn)行分析,找出臨夏小額信貸發(fā)展過程中存在的問題,找出適合本地發(fā)展的思路和模式,加快臨夏經(jīng)濟(jì)的發(fā)展。
[Abstract]:Economic prosperity is the foundation of financial development, and the level of economic development determines the level of financial development. In turn, a sound financial system will boost economic growth. The environment of ethnic areas is diverse and special, the economic development model and financial development model must be different from the eastern region, how to mobilize all kinds of social capital investment according to local conditions, and how to apply it to the construction of ethnic regions efficiently. To give maximum financial support, to promote income growth, to realize the benign development of rural economy, and to bring real changes to the society in ethnic areas are of practical significance and are of concern to the government and academia. Also has been the question which I want to study. At present, the research on financial development in ethnic minority areas is mainly focused on two aspects, on the one hand, the relationship between economic growth and financial development in ethnic minority areas. On the other hand, it is to study the specific practice of the management of financial institutions in ethnic areas. After the success of the "poor bank" in Bangladesh, which specializes in micro-credit for farmers, it has attracted the attention of the world, and raised the tide of research and promotion of micro-credit from various angles to promote the development of underdeveloped areas. However, the research on microfinance in a specific ethnic area is not sufficient. As a form of financial innovation, microfinance provides a new way to solve the problem. Through this research, I hope to draw lessons from the theory and practice of microfinance development at home and abroad, sum up the law of the development of microfinance, analyze the current situation of the development of microfinance in Linxia, and find out the problems existing in the development of microfinance in Linxia. Find out the train of thought and mode suitable for local development, accelerate the development of economy of Linxia.
【學(xué)位授予單位】：西北民族大學(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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