格莱珉银行发展模式研究

发布时间：2018-03-26 02:14

本文选题：格莱珉银行　切入点：发展模式　出处：《辽宁大学》2012年硕士论文

【摘要】：本文以农村金融理论为基础，结合统计学、制度经济学相关理论，对孟加拉国格莱珉银行的发展模式进行研究。通过统计相关经济指标定量分析结果发现：格莱珉银行的组织结构及其招聘制度设计保证了其具有充足的人力资源优势，格莱珉银行的合法金融机构地位及新的存款产品的设计大大拓宽了资金来源渠道，保证了其可持续经营性。通过在制度经济学视角下研究格莱珉银行的担保模式发现，小组联保模式及新设计的贷款激励制度大大的增加了会员违约成本。在对相关理论及以往中外学者研究的文献总结基础之上，本文的正文写作框架基本上分为四个部分。第一部分对小额信贷运作原理进行总结并简要回顾小额信贷的国际发展历程。第二部分对孟加拉国格莱珉银行的累计发放贷款规模、资金来源渠道、覆盖范围、相关财务指标进行统计分析，大致的把格莱珉银行发展历程分为三个阶段：1976年至1983年为第一阶段，1983年至2000年为第二阶段，2000年至今为第三阶段。并详细的从组织结构、资金来源渠道、担保模式、借贷程序及还款方式等几个方面研究格莱珉银行的发展模式。第三部分通过定量分析相关数据总结发现格莱珉银行成功经验可以归纳为“以人为本”的服务理念、严格控制风险的借贷制度、通过设计激励增加会员违约成本以及贷款利率商业化等几个方面。第四部分简要总结目前中国小额信贷发展情况并结合前几个部分的研究结论，参照格莱珉银行的成功经验对中国小额信贷发展提供一些政策建议，以达到促进农村贫困人口脱贫、农村经济增长，缩小城乡收入差距，构建和谐社会的目标。
[Abstract]:This paper is based on the theory of rural finance, combined with statistics, institutional economics related theories, This paper studies the development model of Grameen Bank in Bangladesh. Through the quantitative analysis of relevant economic indicators, it is found that the organizational structure of Grameen Bank and its recruitment system design ensure that Grameen Bank has sufficient human resource advantages. The legal financial institution status of Grameen Bank and the design of new deposit products greatly widen the source of funds and ensure its sustainable operation. The Group's Unpa model and the newly designed loan incentive system greatly increase the cost of member default. On the basis of summarizing the relevant theories and the literature of Chinese and foreign scholars in the past, The main body of this paper is basically divided into four parts. The first part summarizes the principle of microfinance operation and briefly reviews the international development of microfinance. The second part is about the cumulative loan size of Grameen Bank in Bangladesh. Sources of funds, coverage, and related financial indicators for statistical analysis, The development process of Grameen Bank is roughly divided into three stages: the first stage from 1976 to 1983, the second stage from 1983 to 2000, and the third stage from 2000 to present. The third part summarizes the successful experience of Grameen Bank by quantitative analysis and finds that the successful experience of Grameen Bank can be summed up as "people-oriented" service concept. Strict risk control of the lending system, through the design of incentives to increase the cost of member default and the commercialization of loan interest rates and other aspects. The fourth part of a brief summary of the current situation of microfinance development in China and combined with the previous parts of the research conclusions, According to the successful experience of Grameen Bank, this paper provides some policy suggestions for the development of micro-credit in China, in order to promote the rural poor population to escape poverty, increase the rural economy, narrow the income gap between urban and rural areas, and build a harmonious society.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

【引证文献】