哈尔滨银行农户小额贷款发展研究

发布时间：2018-01-10 15:18

本文关键词：哈尔滨银行农户小额贷款发展研究　出处：《东北农业大学》2012年硕士论文　论文类型：学位论文

【摘要】：“三农”问题是我国近年来一直关注的一个热点问题。“三农”问题的核心是增加农民收入、提高农民生活水平、改善农村新环境。农村小额贷款是一种全新的信贷扶贫方式,它是人们对传统的扶贫手段不断思考、创新的果实,它的出现和发展为解决“三农”问题提供了不可或缺的积极途径。哈尔滨银行的农户小额贷款业务从2005年发展至今,取得了良好的效果,对其进行研究,对黑龙江省农村小额贷款的发展有着重要的借鉴意义。首先,文章以农村小额贷款的一般理论为依据,阐述了农村小额贷款的基本概念和特点,在此基础之上,介绍了农村小额贷款可持续发展的涵义及特点,并介绍了农村金融的相关理论,以后文的研究做理论上的支撑。接下来本文介绍了哈尔滨银行的基本情况,以及哈尔滨银行农户小额贷款在发展过程中存在的问题,并对存在的问题进行了成因分析。分析中发现,目前哈尔滨银行农户小额贷款在发展中存在的问题主要有服务范围过大,导致机构和人员都相对不足；信用额度小,难以满足客户的实际需求；贷款期限短,信贷资金得不到充分的利用；服务产品创新力不足；贷款用途与实际用途不符；清收存在一定的困难,难度较大。造成这些问题的原因既有内部的也有外部的。然后本文以哈尔滨市阿城区为例,对哈尔滨银行的农户小额贷款为农民增收带来的实际影响进行了实证分析,分析表明,哈尔滨银行的农户小额贷款业务在发展中虽然存在着一些个问题,但它为农民的增收确实起到了非常重要的积极作用。本文最后通过对我国其他发达省份的农村小额贷款业务发展情况的介绍,总结其发展经验,并分析出其对哈尔滨银行农户小额贷款的启示。在此基础之上,针对前文提出的哈尔滨银行农户小额贷款在发展中存在的问题,提出了对策和建议。在研究过程中阅读了大量的参考文献,并综合运用比较分析法和实证分析与规范分析相结合的方法,概括了农村小额贷款的基本概念和相关理论,并对哈尔滨银行农户小额贷款的发展进行了分析和总结,最后提出发展建议。具有一定的针对性和实用性,对哈尔滨银行和我国其他城市商业银行更好的开展小额贷款业务具有较强的指导意义。
[Abstract]:The "three rural issues" is a hot issue in China has been concerned in recent years. The core of the issue is to increase the income of farmers, improve the living standards of farmers, improve the rural environment. New rural microfinance is a new credit poverty reduction. It is to help the poor people to the traditional means of constantly thinking and innovation fruit, its emergence and development provides indispensable and positive ways to solve the problem of "three agriculture". Farmers microfinance business of the Bank of Harbin from 2005 to now, has achieved good results, the study has an important reference significance for the development of rural microfinance in Heilongjiang province.
Firstly, the general theory of microfinance in rural areas as the basis, elaborated the basic concept and characteristics of rural microfinance, on this basis, introduces the meaning and characteristics of rural microfinance sustainable development, and introduces the related theory of rural finance, after the study of theoretical support. Then this paper introduces the basic the situation of the Bank of Harbin, Bank of Harbin and the problems of rural microfinance exist in the development process, and the problems of the cause analysis. The analysis shows that the problems existed in the development of Harbin bank loans to small farmers the main current problems range of services is too large, the institutions and personnel are relatively insufficient; small credit limit, it is difficult to meet the actual needs of customers; short term loans, credit funds are not fully utilized; innovative service products; and the actual use of the loans The use of inconsistent collection; there are some difficulties, difficult. The reasons for these problems both internal and external. And then the A Cheng District of Harbin city for example, the loan of the Bank of Harbin has carried on the empirical analysis, analysis shows that the actual impact of income for farmers, farmers microfinance business the Bank of Harbin in the development of the existence of some problems, but it is the farmers' income does play a very important positive role. Finally, through the rural microfinance business development of other developed provinces in China's introduction, summarizes the development experience, and analysis of its Revelation of Harbin bank loans to small farmers. On this basis, the proposed Harbin bank loans to small farmers in the development of the problems, and puts forward some countermeasures and suggestions.
In the process of reading a lot of references, and using comparative analysis method and empirical analysis and normative analysis method of combining, and summarized the basic concept of rural microfinance and the related theory, and the development of Harbin bank loans to small farmers were analyzed and summarized, finally puts forward some suggestions. For certain and practical, has a strong guiding significance for the Bank of Harbin and other city commercial banks in China to carry out microfinance business.

【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.43

【参考文献】