浅析我国农村小额信贷存在的问题及对策

发布时间：2018-01-02 09:51

本文关键词：浅析我国农村小额信贷存在的问题及对策　出处：《山西农业大学》2013年硕士论文　论文类型：学位论文

【摘要】：中国是一个农业大国,更是一个农村人口占多数的国家,据不完全统计,中国绝大多数农村人口均过着贫困的生活,贫困人口占到我国总人口的20%左右。如何增加农民的收入成了我国第一关注的问题,近几年,国务院都把农业、农村和农民的问题放在首位,农民富了,我国大多数人就富了。所以,怎么解决这个问题,如何增加农民的收入,是解决我国“三农”问题的关键。 1999年开始,由中国人民银行提出并指导,农村小额贷款业务经过了一段时间的摸索和推广,也取得了一定的成就。同时国外也一直在摸索和发展农村小额信贷业务,所以,国际和国内经验都表明,想发展“三农”就必须发展其小额信贷,因为发展了经济,让农民手中的钱多起来才是解决三农问题的关键。不过截止到今天,我国农村小额信贷依然存在着诸多问题,例如,小额信贷机构单一,资金不足,并且还伴随着风险大、难管理、人员少、服务不到位的问题,再加上贷款制度上的缺陷,如利率偏低、贷款期限不足,缺少有效的的监督和管理等。小额信贷能否健康的可持续的发展下去就必须解决此类问题。因此,本文通过分析国内外小额信贷的现状和问题,提出了相应的解决对策。
[Abstract]:Chinese is an agricultural country, the rural population is a majority country, according to incomplete statistics, the vast majority of the rural population China were living in poverty, poverty accounted for about 20% of the total population in our country. How to increase the income of farmers has become China's first concern in recent years. The state Council, the agriculture, rural areas and farmers problems in the first place, rich farmers, most of the people in our country is rich. So, how to solve this problem, how to increase the income of farmers, is the key to solve the "three rural issues".
Beginning in 1999, proposed and guided by the people's Bank of Chinese, rural microfinance through the exploration and promotion of a period of time, has made some achievements. At the same time abroad has been in business, so the exploration and development of rural microfinance, the domestic and international experience shows that to develop the "three rural" must develop the small credit, because the development of the economy, let the farmers more money is the key to solve the problem. But until today, China's rural microfinance still exist many problems, for example, microfinance institutions are single, lack of funds, and also accompanied by high risk, difficult to manage, less staff, service in place, coupled with the defects on the loan system, such as low interest rates, the loan period is insufficient, lack of effective supervision and management of microfinance. The healthy sustainable development must be solved Therefore, through the analysis of the current situation and problems of micro credit at home and abroad, this paper puts forward the corresponding countermeasures.

【学位授予单位】：山西农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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