云南省支农小额信贷问题与对策研究

发布时间：2018-03-21 06:02

本文选题：支农小额信贷　切入点：问题　出处：《云南师范大学》2013年硕士论文　论文类型：学位论文

【摘要】：“三农”问题一直以来都是社会和各方关注的焦点，党中央国务院把解决“三农”作为经济社会发展的重点，农村经济发展落后，农民贫困已经成为我国经济快速发展的一个制约因素。云南省地处西部地区，贫困人口较多，且大部分贫困农民地处偏远山区，贫富差距较大。在解决贫困的实践中，支农小额信贷成为了帮助贫困农民脱贫致富的有效办法，并在很多地方得到发展，取得成功。支农小额信贷作为一种新的金融创新工具和扶贫方式，在扶贫领域发挥着越来越重要的作用。本文主要研究的内容是云南省支农小额信贷问题，首先介绍了小额信贷的一般原理及国际和国内比较成功的一些小额信贷实践，并总结出其发展中的一些成功的经验；其次，分析了云南省经济发展概况，并以云南省两个较为落后的贫困县——陇川和龙陵作为分析的重点，，分别对两县支农小额信贷进行了详细的分析，并对龙陵县支农小额信贷与农户收入进行了回归模型分析，得出支农小额信贷对农民收入有积极的影响，能够调动农民的主动性和积极性，提高农民的生产能力，促进农民增收；并在分析过程中，从政府、信贷机构、农户三个角度剖析了两县支农小额信贷发展过程中存在的一些问题；最后在这些问题的基础上提出了一些解决的对策建议。
[Abstract]:The issue of "agriculture, countryside and farmers" has always been the focus of attention of the society and all sides. The CPC Central Committee and the State Council have made the "three rural areas" the focus of economic and social development, and the rural economic development has lagged behind. The poverty of farmers has become a restricting factor for the rapid economic development of our country. Yunnan Province is located in the western region, with a large number of poor people, and most of the poor peasants are located in remote mountain areas, and the gap between the rich and the poor is large. In the practice of solving poverty, Supporting agriculture microcredit has become an effective way to help poor farmers get rid of poverty and become rich, and has been developed and succeeded in many places. It is playing a more and more important role in the field of poverty alleviation. The main content of this paper is the issue of supporting agriculture microfinance in Yunnan Province. Firstly, it introduces the general principle of microfinance and some successful international and domestic microfinance practices, and summarizes some successful experiences in its development. This paper analyzes the general situation of economic development in Yunnan Province, and takes Longchuan and Longling, two poor counties in Yunnan Province, as the focus of the analysis, and makes a detailed analysis of the micro-credit supporting agriculture in the two counties respectively. The regression model analysis of supporting agriculture micro-credit and peasant household income in Longling County shows that supporting agricultural microfinance has positive influence on farmers' income, which can arouse the initiative and enthusiasm of farmers and improve their productive capacity. In the process of analysis, the author analyzes some problems existing in the development of micro-credit in the two counties from the perspectives of government, credit institutions and farmers. Finally, on the basis of these problems, some countermeasures and suggestions are put forward.
【学位授予单位】：云南师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43

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