仁寿县农村信用社农户小额信贷问题及对策研究

发布时间：2018-01-16 20:09

本文关键词：仁寿县农村信用社农户小额信贷问题及对策研究　出处：《四川农业大学》2013年硕士论文　论文类型：学位论文

【摘要】：近几年来,农村信用社农户小额信贷业务成功运行不仅使其成为农村信用社发展的现实选择,而且成为广大农户脱贫致富的法宝。但是,仍存在不断扩大的信贷资金需求与有限的信贷资金供给之间的矛盾、单一的金融服务和金融产品与多元化、多层次贷款需求之间的矛盾以及农户小额信贷的扶贫性质与农村信用社商业化运作之间的矛盾这三大主要矛盾,阻碍着农村信用社农户小额信贷业务的发展壮大。本文以仁寿县农村信用社农户小额信贷款为研究对象,采用文献资料分析比较分析等方法,对仁寿县农村信用社农户小额信贷款问题进行了深入的探讨。全文共分五个部分：第一部分：绪论；第二部分：理论基础；第三部分：仁寿县农村信用社农户小额信贷款发展现状分析；第四部分：仁寿县农村信用社农户小额信贷发展存在的问题及原因分析；第五部分：仁寿县农村信用社农户小额信贷选择及对策建议。本文以仁寿县农村信用社为例,对农村信用社发展农户小额贷款具有启示和帮助意义。本文以仁寿县农村信用社农户小额信贷业务开展,从基层出发,在采集数据,实地采访,制定对象跟踪调查,整理资料发现由于受到内外诸多因素的影响和制约,农村信用社在推广农户小额信贷、创造信用乡镇工作开展很不平衡,由于地区差异巨大,一些深层次的矛盾和问题也逐渐暴露出来。通过对农村信用社农户小额信贷业务,在地区中取得成效的经验分析认为,解决这些矛盾的出路在于探索科学的运行机制,根据地区发展的差异性构建完善的制度保障体系和提供有效的政策支持,才是解决问题的正确途
[Abstract]:In recent years, the successful operation of the micro-credit business of rural credit cooperatives not only makes it a realistic choice for the development of rural credit cooperatives, but also becomes a magic weapon for farmers to get rid of poverty and become rich. There is still a contradiction between the expanding demand for credit funds and the limited supply of credit funds, a single financial service and financial products and diversification. The contradiction between the multi-level loan demand and the contradiction between the poverty alleviation nature of peasant households and the commercial operation of rural credit cooperatives are the three main contradictions. It hinders the development of rural credit cooperatives. In this paper, the rural credit cooperatives in Renshou County farmers small credit loans as the research object, using literature analysis and comparative analysis methods. This paper makes a deep discussion on the problem of small credit loan of rural credit cooperatives in Renshou County. The whole paper is divided into five parts: the first part: introduction; The second part: theoretical basis; The third part: the rural credit cooperatives in Renshou county farmers small credit loan development status analysis; Part 4th: the problems and causes of the development of micro-credit of rural credit cooperatives in Renshou County; Part 5th: the rural credit cooperatives in Renshou county, rural credit cooperatives, the choice of micro-credit and countermeasures. This paper takes Rensou County rural credit cooperatives as an example. Rural credit cooperatives to develop rural small loans have enlightenment and help significance. This article to Rensou County rural credit cooperatives farmers micro-credit business, starting from the grass-roots, in the collection of data, field interviews. The establishment of object tracking survey, collation of data found that due to the impact and constraints of many internal and external factors, rural credit cooperatives in the promotion of micro-credit farmers, the creation of credit township work is very uneven. Because of the huge regional differences, some deep-seated contradictions and problems are gradually exposed. The way out for solving these contradictions lies in exploring scientific operating mechanism, constructing perfect system guarantee system and providing effective policy support according to the difference of regional development, which is the correct way to solve the problem.
【学位授予单位】：四川农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43;F832.35

【参考文献】