哈尔滨市农村小额信贷业务发展问题研究

发布时间：2018-08-25 20:32

【摘要】：农村经济是国民经济的重要组成部分，农村经济的发展迫切需要信贷资金的支持。小额信贷经过二十年的发展，起到了有效缓解我国农村金融市场的货币供需矛盾、拓宽农村信用社的资金来源渠道、优化农村金融结构的效果。然而，在我国市场经济和农村小额信贷体系尚不完善的情况下，由于政策和商业双重属性的影响，导致小额信贷实施分散，组织体系尚不完备，影响了农村经济的发展。本文从哈尔滨市农村小额信贷的实际情况出发，在对相关理论进行介绍和明确小额信贷概念的基础上，借鉴国内小额信贷发展经验，针对哈尔滨市小额信贷存在的外部宏观政策环境、内部体制机制、风险与防范不规范、农民自身问题、小额信贷载体单一、小额信贷机构的资金来源不足等方面的问题，运用小额信贷理论进行分析，找出哈市农村小额信贷问题深层次的原因，提出以下对策建议：一是完善农户小额信用贷款的管理框架；二是促进金融体制创新，营造良好的小额信贷政策环境；三是建立和完善农户信用体系，提高风险防范能力；四是提高农民综合素质，，为小额信贷奠定群众基础；五是促进发展农村小额信贷的多元化模式；六是发展多层次的农村小额信贷载体。通过本文的研究，一是要掌握哈尔滨市农村经济发展中小额信贷的现状以及存在的问题；二是为促进哈尔滨市农村小额信贷业务的可持续发展，提出建设性意见和建议。
[Abstract]:Rural economy is an important part of national economy. The development of rural economy urgently needs the support of credit fund. After 20 years of development, microfinance has played an effective role in alleviating the contradiction between the supply and demand of money in the rural financial market, widening the sources of funds of rural credit cooperatives, and optimizing the rural financial structure. However, under the condition that the market economy and the rural microfinance system are not perfect in our country, because of the influence of the policy and the commercial dual attribute, the implementation of the micro-credit is dispersed and the organization system is not perfect, which affects the development of the rural economy. Starting from the actual situation of rural microfinance in Harbin, this paper introduces the relevant theories and defines the concept of microfinance, and draws lessons from the domestic microfinance development experience. Aiming at the problems of external macro policy environment, internal system and mechanism, risk and non-standard prevention, farmers' own problems, single microcredit carrier, insufficient sources of funds of microfinance institutions in Harbin, Based on the analysis of micro-credit theory, the author finds out the deep reasons of rural micro-credit problem in Harbin, and puts forward the following countermeasures: first, to perfect the management framework of peasant household micro-credit loan; second, to promote the innovation of financial system. To create a good policy environment for microfinance; third, to establish and improve the credit system of farmers, improve the ability of risk prevention; fourth, to improve the comprehensive quality of farmers, to lay a mass foundation for microcredit; Fifth, to promote the development of rural microfinance diversification model; sixth, to develop multi-level rural microfinance carrier. Through the study of this paper, the first is to grasp the current situation and existing problems in the development of rural economy in Harbin, and the second is to put forward constructive suggestions and suggestions to promote the sustainable development of rural microfinance business in Harbin.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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