深圳市小额信贷创新发展及规范管理研究

发布时间：2018-06-12 04:04

本文选题：小额信贷 + 政府监管　；参考：《福建农林大学》2013年硕士论文

【摘要】：中国社会科学院农发所在1993年率先引进小额信贷以来，我国城乡小额信贷有了长足的发展。截止2012年7月，深圳市共有50家小额贷款机构经批准正式开业经营，累计发放贷款42.53万笔，为社会解决了390.98亿元的融资需求，不良贷款余额1.60亿元。目前，深圳小额信贷企业的试点工作稳步推进，行业呈现稳健、可持续的发展态势。业内企业依法经营，企业内部管理制度体系得到强化和充实，初步建立起以风险控制为核心的管理体系，有效遏制了民间非法集资和信贷行为，对缓解我市小微企业资金需求，鼓励创业，新增就业岗位，进一步维护社会稳定等方面都发挥了重要作用。但深圳小贷行业的发展也面临很大的挑战，仍有很多的内因和外因（如：国家行业管理政策、小额信贷风险预防体系建设、小额信贷行业扶持政策、民间融资渠道规范化管理等）制约着民间融资渠道的进一步拓宽，从而影响深圳小额信贷企业发展可持续、健康发展。本论文主要从以下几个方面对深圳小额信贷行业创新发展进行论述：第一章，对全国、深圳小额信贷发展的背景、研究意义及本文的结构安排、创新之处以及几个重要的概念和说明。第二章，回顾小额信贷的基础理论，并分别对各种理论进行的简要评析，为进一步的研究深圳小额信贷发展状况提供理论基础。第三章，深圳小额信贷的经营状况分析。首先运用PEST分析法，在结合深圳近年小额信贷行业发展有关数据的基础上，对深圳小额信贷行业发展的政策、经济、社会、技术等四个方面环境进行分析；然后对深圳小额信贷的供给、需求及市场空间等情况进行分析；最后对深圳小额信贷发展现状进行分析，，重点从发起人主体结构、市场规模、就业情况以及产品提供差异化等方面进行分析。第四章，深圳小额信贷发展创新分析。围绕深圳小额信贷行业监管部门和企业在日常监管和经营活动中所采取的积极措施和创新做法为核心，对小额信贷行业管理制度创新、小额信贷发展模式创新、小额信贷企业融资渠道创新、小额信贷企业特色化发展等四个方面的创新举措进行分析。第五章，深圳小额信贷发展存在的主要问题。对影响深圳小额信贷发展的主要因素进行分析：一是小额信贷行业监管力量薄弱；二是小额信贷行业扶持政策尚需完善；三是小额信贷行业发展引导政策尚需充实；四是小额信贷行业法律政策定位尚需明确；五是小额信贷行业风险预警机制尚需健全；六是小额信贷行业发展远景规划尚需明确。第六章，深圳小额信贷发展的建议与实施措施。结合深圳经济社会发展和产业结构特点，以促进小额信贷行业健康发展为主线，有针对性地提出深圳小额信贷行业发展建议。一是深化金融体制改革；二是规范小额信贷政府管理；三是初步建立普惠金融体系；四是进一步增强小额信贷企业综合实力；五是进一步提升小额信贷行业发展质量。
[Abstract]:Since the Agricultural Institute of the Chinese Academy of Social Sciences took the lead in the introduction of microcredit in 1993, China's urban and rural microfinance has made considerable progress. By July 2012, 50 microfinance institutions in Shenzhen had approved a total of 425 thousand and 300 loans with the approval of the official business operation, which solved the financing demand of 39 billion 98 million yuan for the society, and the balance of non-performing loans was 1.60. At present, the pilot work of the microcredit enterprises in Shenzhen has been steadily promoted, and the industry presents a steady and sustainable development trend. The enterprises in the industry operate according to law, the system of internal management system has been strengthened and enriched, and the management system at the core of risk control has been initially established, which effectively curbed the illegal fund-raising and credit behavior of the people. It has played an important role in solving the capital demand of small and micro enterprises in our city, encouraging entrepreneurship, adding jobs and further maintaining social stability. However, the development of the small loan industry in Shenzhen also faces great challenges. There are still many internal and external causes (such as the national industry management policy, the construction of the micro credit risk prevention system, the microfinance industry. " The support policy and the standardized management of the private financing channels restrict the further widening of the private financing channels, thus affecting the sustainable development and healthy development of the microcredit enterprises in Shenzhen.
This paper mainly discusses the innovation and development of microfinance industry in Shenzhen from the following aspects.
The first chapter, the background of the development of microcredit in Shenzhen, the significance of the study and the structure of this article, the innovation and several important concepts and explanations. The second chapter reviews the basic theory of microcredit, and gives a brief analysis of various theories, providing a theoretical basis for the further study of the development of micro credit in Shenzhen. The third chapter, the analysis of the operation status of Shenzhen microfinance. First, on the basis of the relevant data of the development of the microfinance industry in Shenzhen on the basis of the relevant data of the development of the microfinance industry in Shenzhen in recent years, the PEST analysis method is used to analyze the policy, economy, society and technology of the microfinance industry in Shenzhen, and then the supply, demand and market of the Microfinance in Shenzhen Analysis of the situation of space and so on; finally the analysis of the development status of Shenzhen micro credit, focusing on the main structure of the sponsor, the market scale, the employment situation and the difference in product supply. The fourth chapter, the analysis of the development and innovation of micro credit in Shenzhen. The supervision departments and enterprises in the microfinance industry in Shenzhen are in the daily supervision. The positive measures and innovative practices adopted in the management and management activities are the core, and the innovation measures of the micro credit industry management system innovation, the micro credit development model innovation, the microfinance enterprise financing channel innovation and the microfinance enterprise's characteristic development are analyzed in the four aspects. The fifth chapter, the existence of the microfinance development in Shenzhen The main factors that affect the development of microfinance in Shenzhen are analyzed: first, the weak supervision force in the microfinance industry is weak; two is that the support policy of microfinance industry needs to be perfected; three is that the development guidance policy of the microfinance industry needs to be enriched; the four is that the positioning of the legal policy of the microfinance industry is still clear; and five is a small amount of small credit. The risk early warning mechanism of the credit industry needs to be perfected; six, the development vision of the microfinance industry needs to be clear. The sixth chapter, the suggestions and implementation measures for the development of micro credit in Shenzhen, combined with the economic and social development and the characteristics of industrial structure in Shenzhen, in order to promote the healthy development of the microfinance industry as the main line, and put forward the small credit credit in Shenzhen. The first is to deepen the reform of the financial system; the two is to regulate the management of the microcredit government; the three is to establish the primary and inclusive financial system; the four is to further strengthen the comprehensive strength of the microfinance enterprises; and five to further improve the quality of the microfinance industry.
【学位授予单位】：福建农林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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