包头市农村信用社小额信贷研究

发布时间：2018-08-27 06:11

【摘要】：1976年尤努斯博士在孟加拉国创立了小额信贷。它在消除贫困和发展经济的领域取得了重大成就,从此,小额信贷业务作为一种新型的产品创新,引起了全世界的广泛关注并得到了全世界的重视和推广。20世纪70年代至今,小额信贷在市场经济的扶贫体制下为贫困的人口探索出一条有效的金融服务并同时实现可持续发展的路径,因而得到了国际社会和发展中国家的广泛认同。在全球化金融危机的大背景下,我国应对危机所采取的扩大内需等一系列的经济措施,解决这些问题的落脚点在我国庞大的金融市场。因此,从这个意义上来讲,能否解决农村的“三农”问题,已经成为目前中国经济战略转型的关键,而解决“三农”问题的关键方法就在于能否为农村提供充足的和多层次的金融服务。内蒙古包头市农村信用社小额信贷的发展,解决了农村部分中低收入群体的金融需求,以创新的要素介入中国农村信用社的小额信贷市场,在促进农信社小额信贷市场的竞争和发展所带来的经济和社会影响是巨大的。目前,内蒙古包头市农业贷款需求的大量增加是由生产力的提高和高化学、生物和机械技术的投资而获得了较高的农户收益而产生的,增加包头市农村信用社的农业贷款能够极大的促进这些新的技术运用和当地农业的发展。要增加当地农户的借贷就要改造农村信用社小额信贷市场,使之成为完整有效的金融体系。内蒙古包头市农村信用社小额信贷的发展,解决了当地农村部分中低收入群体的金融需求,以创新的要素介入中国农村信用社的小额信贷市场,在促进农信社小额信贷市场的竞争和发展所带来的经济和社会影响是巨大的。鉴于目前这一现状,准确全面的评价包头市农村信用社小额信贷机构展开的农户小额信贷的影响,并探讨其操纵的流程和解决问题的方法,进而提出相应可行的政策建议,对于进一步完善和构建包头市农村信用社小额信贷的农村金融体系,更好的发挥农村信用社的小额信贷服务,其在缓解包头地区的贫困和促进发展中的作用都具有重要的理论和现实的意义。
[Abstract]:In 1976, Dr. Yunus founded microcredit in Bangladesh. It has made great achievements in the field of poverty eradication and economic development. Since then, as a new type of product innovation, micro-credit business has attracted worldwide attention and received worldwide attention and promotion since the 1970s. Microfinance has been widely recognized by the international community and developing countries for exploring an effective financial service for the poor population under the poverty alleviation system of the market economy and realizing the path of sustainable development at the same time. Against the background of the global financial crisis, our country has adopted a series of economic measures, such as expanding domestic demand and so on, to deal with the crisis, and the foothold of solving these problems lies in our country's huge financial market. Therefore, in this sense, whether or not we can solve the "three rural" problems in rural areas has become the key to the strategic transformation of China's economy. The key to solve the problem is to provide sufficient and multi-level financial services for rural areas. The development of rural credit cooperatives in Baotou, Inner Mongolia, has solved the financial needs of some middle and low income groups in rural areas and intervened in the microfinance market of China's rural credit cooperatives with innovative elements. The economic and social impact on the promotion of competition and development of the rural credit market is enormous. At present, the large increase in the demand for agricultural loans in Baotou City, Inner Mongolia, is due to the increase in productivity and the investment in high chemical, biological and mechanical technologies, resulting in higher farmers' income. Increasing the agricultural loan of Baotou Rural Credit Cooperative can greatly promote the application of these new technologies and the development of local agriculture. In order to increase the lending of local farmers, we must reform the rural credit cooperatives microfinance market and make it a complete and effective financial system. The development of rural credit cooperatives in Baotou City, Inner Mongolia, has solved the financial needs of some low and middle income groups in rural areas and intervened in the microfinance market of China's rural credit cooperatives with innovative elements. The economic and social impact on the promotion of competition and development of the rural credit market is enormous. In view of the present situation, this paper evaluates accurately and comprehensively the influence of peasant household microfinance developed by rural credit cooperatives in Baotou City, and probes into the process of manipulation and the methods to solve the problems, and then puts forward corresponding feasible policy recommendations. To further improve and construct the rural financial system of rural credit cooperatives in Baotou City, and give better play to the microfinance services of rural credit cooperatives, Its role in alleviating poverty and promoting development in Baotou area has important theoretical and practical significance.
【学位授予单位】：中央民族大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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