山东省小额贷款公司可持续发展问题研究

发布时间：2017-12-31 00:17

本文关键词：山东省小额贷款公司可持续发展问题研究　出处：《山东大学》2013年硕士论文　论文类型：学位论文

【摘要】：小额贷款最早来源于孟加拉国穆罕穆德·尤努斯教授创办的格莱珉银行,它自出现以来,就展示出了旺盛的生命活力,迅速被亚、非、拉丁关洲等发展中国家复制,成为扶贫的有效方式。穆罕穆德·尤努斯教授也因其成功创办格莱珉银行,于2006年荣获诺贝尔和平奖。小额信贷的成功引起了国际社会的广泛关注,我国于上个世纪九十年代开始学习和引进格莱珉小额信贷模式,并于2005年开始在五个省或自治区试点,2008年在全国推开。山东省于2008年9月着手开展小额贷款公司试点工作,自试点工作开展以来,小额贷款公司迅速遍及山东各地,在一定程度上缓解了“三农”及中小企业的融资困境,对经济社会的发展起到了积极作用。但作为金融创新的一种新生事物,其暴露出的问题也不容忽视。在此背景下,探索小额贷款公司可持续发展之路,促进山东省小额贷款公司持续发展,就具有了重要的理论和现实意义。本文以山东省的小额贷款公司为研究对象,通过规范分析、比较分析、实证分析等研究方法对山东省小额贷款公司存在的问题进行了分析研究,旨在促进山东省小额贷款公司的可持续发展。研究的思路和主要内容是：首先,论述了课题的研究背景、意义,并对小额信贷发展的相关理论及国内外研究现状进行了阐述,为课题的研究提供了充足的理论依据；其次,论述了国外实践经验,并分析了我国口前的实践情况,希望通过对比,对我国小额信贷的发展有所启示。再次,从宏观角度,通过问卷调查和数据分析重点研究了山东省小额贷款公司试点情况,解读了山东省小额贷款公司试点政策,分析了山东省小额贷款公司试点的总体情况、贷款情况和财务情况,研究了试点过程中存在的问题；第四,以A市B区C小额贷款公司为例,从微观角度分析了C小额贷款公司成立情况、运营情况及其运营中存在的问题：第五,对山东省小额贷款公司可持续发展的路径选择进行了探索性研究,并根据问题的分析,从宏微观两个角度提出了促进山东省小额贷款公司可持续发展的政策建议,希望能够为山东省小额贷款公司的可持续发展起到一定的借鉴作用。
[Abstract]:Microfinance first came from the Grameen Bank, founded by Professor Muhammad Yunus in Bangladesh, and it has shown great vitality since its emergence. Latin states and other developing countries replicated it as an effective way to help the poor. Professor Muhammad Yunus also founded Grameen Bank for his success. In 2006, the success of the Nobel Peace Prize. The success of microcredit has attracted the attention of the international community. In -10s, China began to learn and introduce the Grameen microcredit model. And began in 2005 in the five provinces or autonomous regions pilot, 2008 in the national push. In September 2008, Shandong Province began to carry out the pilot work of micro-credit companies, since the pilot work, micro-credit companies have spread rapidly throughout Shandong. To a certain extent, it alleviates the financing dilemma of "three rural areas" and small and medium-sized enterprises, and plays a positive role in the development of economy and society, but as a new thing of financial innovation. Under this background, it is of great theoretical and practical significance to explore the sustainable development of micro-credit companies and promote the sustainable development of micro-credit companies in Shandong Province. This paper takes the microfinance companies in Shandong Province as the research object, through normative analysis, comparative analysis, empirical analysis and other research methods to analyze the problems of Shandong micro-credit companies. The purpose of this study is to promote the sustainable development of Shandong Microcredit Corporation. The main contents of the study are as follows: first of all, the research background and significance of the subject are discussed. And the development of microfinance related theories and domestic and foreign research status, for the subject of research provided sufficient theoretical basis; Secondly, it discusses the foreign practice experience, and analyzes the practice situation before the mouth of our country, hope through the contrast, to the development of micro-credit in China. Thirdly, from the macro perspective. Through the questionnaire survey and data analysis focused on the Shandong Province microfinance company pilot situation, interpretation of Shandong micro-credit company pilot policy, analysis of the overall situation of Shandong micro-credit company pilot. Loan situation and financial situation, studied the problems existing in the process of pilot; In 4th, taking C Microloan Company of A City B District as an example, this paper analyzes the establishment, operation situation and problems in operation of C Microloan Company from a micro perspective: 5th. This paper makes an exploratory study on the path choice of sustainable development of Shandong Microcredit Corporation and analyzes the problem. This paper puts forward some policy suggestions to promote the sustainable development of Shandong Microloan Company from the macro and micro perspectives, hoping to play a certain reference role in the sustainable development of Shandong Microloan Company.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39

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