我国微型金融发展的问题和对策研究

发布时间：2018-01-17 17:33

本文关键词：我国微型金融发展的问题和对策研究　出处：《河南师范大学》2013年硕士论文　论文类型：学位论文

【摘要】：在上世纪70年代小额信贷在孟加拉国成功实践之后，我国于上世纪90年代将其引入我国，随后在我国的经济实践中取得了巨大的成就，推动了我国扶贫开发事业的整体进步。在这个过程中，不仅实现了以小额信贷为主要工具的微型金融模式的成熟化，而且在我国对金融机构的政策指引下，与以往农村金融市场的真空现象相比，以农村信用社、邮储银行以及村镇银行等为主体的金融机构规模不断扩大，所服务的客户群体日益增多，成为我国微型金融发展的主力军。然而，，受到农村贫困地区以及城市低收入人群长期以来的被动学习过程的影响，当前成熟的微型金融发展模式也遇到了风险事件频发、信用环境趋差，信贷业务难行等诸多问题，改革创新显得尤为重要。本文通过对国内外微型金融现有研究和理论基础的总结梳理，以国外成熟的微型金融发展方式为参考依据，从供给和需求两个方面综合分析了当前我国微型金融发展的现状以及主要的运作方式。在此基础上，以我国微型金融存在的问题为起点，从信用生态环境、信贷操作方式以及风险管理能力三个方面详细论述了其对微型金融的发展、运作和管理三个方面的影响。最后，在明确我国微型金融未来发展方向的前提下，对当前微型金融发展需要优化的重点进行了分析，并借鉴国家开发银行的开发性金融支持微型金融的理论实践，提出了相关政策建议。
[Abstract]:After the successful practice of microcredit in Bangladesh in -30s, China introduced it into China in -10s, and then made great achievements in the economic practice of our country. Promote the overall progress of poverty alleviation and development in China. In this process, not only the microfinance as the main tool of the micro-finance model matured, but also under the guidance of our country's policy on financial institutions. Compared with the vacuum phenomenon of rural financial market in the past, the scale of financial institutions, such as rural credit cooperatives, postal savings banks and village banks, has been expanding, and the number of clients served has been increasing day by day. It has become the main force in the development of micro-finance in China. However, it is influenced by the passive learning process in rural poor areas and urban low-income groups for a long time. At present, the mature development mode of micro-finance has encountered many problems, such as frequent risk events, poor credit environment, difficult credit business, etc., so it is particularly important to reform and innovate. This paper summarizes the existing research and theoretical basis of micro-finance at home and abroad, taking the mature development mode of micro-finance as the reference basis. This paper comprehensively analyzes the present situation and main operation mode of the development of microfinance in China from the two aspects of supply and demand. On this basis, it starts with the problems existing in the micro-finance in China and starts from the credit ecological environment. Three aspects of credit operation and risk management ability are discussed in detail on the development, operation and management of micro-finance. Finally, under the premise of defining the future development direction of micro-finance in China. The emphasis of the development of microfinance is analyzed, and the relevant policy suggestions are put forward based on the theory and practice of the development finance supported by the national development bank.
【学位授予单位】：河南师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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