论小额贷款在我国区域经济发展中的影响

发布时间：2018-05-26 23:00

本文选题：小额贷款 + 融资服务　；参考：《辽宁师范大学》2012年硕士论文

【摘要】：小额贷款（MicroCredit），国际公认为尤努斯于上世纪70年代发起，是以贫困个人或家庭为核心的经营类贷款，贷款的金额相对较低，一般为20万元以下，1000元以上。主要以低收入阶层、贫困人口和以家庭为基础的小经营者为服务对象，拥有不同于正规金融机构的风险管理技术，提供了小额贷款、储蓄、保险、汇款等业务。在当前国际金融危机持续蔓延、世界经济增长明显减速、我国负面影响日益加深、对农业农村发展冲击不断显现的情况下，如何能大力发展小额信贷，如何能通过新形式的小额信贷带动区域经济发展成为了解决中国式问题新课题。本文首先介绍了小额信贷的基本定义，并从国际与国内两个方面介绍小额信贷融资的发展历程。随之概述了世界经济发展，区域经济的发展的一般过程。通过借鉴国际上区域经济发展的理论、规律、措施和经验，体现了发展区域经济的现实意义，并强调了区域经济发展所面临的机遇和挑战。然后分别通过小额贷款在孟加拉国为代表的欠发达区、在美国为代表的发达区域的作用借鉴指引中国为代表的发展中国家区域经济中的作用，叙述了小额信贷在区域经济发展中所产生的影响,也揭示了我国发展的路径。最后阐述了小额贷款在产业结构调整，市场优化，生态环境建设，新经济模式等方面对我国区域经济的助推作用。此外，本文在对小额信贷对区域经济的分析基础上，还提出了微信贷这一新的经济现象，并积极探索性地提出适合中国国情下的小额信贷发展意见，这些浅见可供同仁们予以斧正并商榷！
[Abstract]:Microcredit, which is recognized as Yunus in the 1970s, is a kind of management loan with poor individuals or families as the core. The amount of loans is relatively low, generally less than 200000 yuan or more than 1, 000 yuan. Mainly for the low-income class, poor people and family-based small operators as the target, has different from the formal financial institutions risk management technology, providing small loans, savings, insurance, remittances and other businesses. With the current international financial crisis continuing to spread, the world economic growth slowing down obviously, the negative impact of our country deepening day by day, and the impact on the development of agricultural and rural areas emerging, how can we vigorously develop microcredit, How to promote the development of regional economy through the new form of microfinance has become a new problem in China. This paper first introduces the basic definition of microfinance, and introduces the development of microfinance from the international and domestic aspects. Then summarized the world economic development, the general process of regional economic development. By drawing lessons from the theories, laws, measures and experiences of regional economic development in the world, this paper embodies the practical significance of developing regional economy, and emphasizes the opportunities and challenges faced by regional economic development. Then, through the role of microfinance in the underdeveloped regions represented by Bangladesh and in the developed regions represented by the United States, the role of micro-loans in the regional economies of developing countries represented by China is drawn from. This paper describes the influence of microfinance on the development of regional economy, and reveals the path of development of our country. Finally, the paper expounds the role of micro-loans in promoting the regional economy in China in the aspects of industrial structure adjustment, market optimization, ecological environment construction, new economic model, and so on. In addition, based on the analysis of micro-credit to regional economy, this paper also puts forward the new economic phenomenon of micro-credit, and actively explores the development of micro-credit suitable for China's national conditions. These simple views can be given to colleagues to correct and discuss!
【学位授予单位】：辽宁师范大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：O29;F832.4;F124

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