基于海南的农村小额信贷发展研究

发布时间：2019-05-13 12:14

【摘要】：海南省自从建省以来,国民经济取得了较大发展。但是农村经济增长缓慢,上世纪90年代以来,农民收入增长率持续下降,2001年农民收入增长率仅为2.3%,达到建省来历史最低水平。城乡居民收入差距不断拉大,据统计,2009年农民年人均纯收入为2875元,相当于城镇居民年人均可支配收入的31.9%。农村经济的发展制约了海南省经济的发展,“三农”问题一直是困扰海南省经济发展的一个重大难题。长期以来,农村小额信贷的发展与农民收入增长的关系一直是人们广泛关注的问题,但是以往的研究是处在国家层次上的,而本文主要以海南农村为研究对象,研究农村小额信贷体系的发展对农民收入增长的影响以及农村小额信贷体系发展中的相关问题。本文深入研究海南农村小额信贷业务发展状况的相关指标,并在此基础上对农村小额信贷体系的发展和农民收入增长的关系进行实证分析。在本文中,通过规范分析和实证分析相结合的方法,根据研究的关键问题,进行了调查和实地采访,由纵向和横向比较数据处理来说明问题。通过分析事实,和进行逻辑推理,定性与定量,理论和实践相结合。还包括相关分析和回归分析的统计方法的使用。本文分析了农村小额信贷的一些基本原理,包括农村小额信贷的理论基础、农村小额信贷的构成要素、农村小额信贷的成本分析、农村小额信贷的风险分析。介绍了国际上、中国和海南省的农村小额信贷的发展状况和存在的问题,如海南农村小额信贷发管理机制不完善、农民认识存在偏差,以及缺乏竞争机制等等。本文深入研究了海南省农村信用社的发展情况、基本模式,提出了海南省农村信用社的改革发展思路,最后对如何完善我国农村小额信贷提出了相应建议,如优化贷款流程、加强内部控制、优化农村信用环境等。
[Abstract]:Since the establishment of Hainan Province, the national economy has made great progress. However, the growth rate of rural economy is slow. Since the 1990s, the growth rate of farmers' income has continued to decline. In 2001, the growth rate of farmers' income was only 2.3%, the lowest level in the history of the province. The income gap between urban and rural residents is widening. According to statistics, the per capita net income of farmers in 2009 was 2875 yuan, equivalent to 31.9 percent of the annual per capita disposable income of urban residents. The development of rural economy restricts the economic development of Hainan Province, and the problem of "agriculture, countryside and farmers" has always been a major problem perplexing the economic development of Hainan Province. For a long time, the relationship between the development of rural microcredit and the growth of farmers' income has been widely concerned, but the previous research is at the national level, and this paper mainly takes Hainan rural areas as the research object. This paper studies the influence of the development of rural microcredit system on farmers' income growth and the related problems in the development of rural microcredit system. This paper deeply studies the relevant indicators of the development of rural microcredit business in Hainan, and on this basis, makes an empirical analysis on the relationship between the development of rural microcredit system and the growth of farmers' income. In this paper, through the combination of normative analysis and empirical analysis, according to the key issues of the study, the investigation and field interviews are carried out, and the vertical and horizontal comparative data processing is used to illustrate the problem. Through the analysis of facts, and logical reasoning, qualitative and quantitative, theory and practice combined. It also includes the use of statistical methods of correlation analysis and regression analysis. This paper analyzes some basic principles of rural microcredit, including the theoretical basis of rural microcredit, the constituent elements of rural microcredit, the cost analysis of rural microcredit, and the risk analysis of rural microcredit. This paper introduces the development and existing problems of rural microcredit in China and Hainan Province, such as the imperfect management mechanism of rural microcredit in Hainan, the deviation of farmers' understanding, and the lack of competition mechanism, and so on. This paper deeply studies the development and basic mode of rural credit cooperatives in Hainan Province, puts forward the reform and development ideas of rural credit cooperatives in Hainan Province, and finally puts forward some corresponding suggestions on how to improve rural microcredit in China, such as optimizing the loan process. Strengthen internal control, optimize rural credit environment and so on.
【学位授予单位】：海南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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