未央农村信用合作联社小额信贷业务发展研究

发布时间：2018-03-09 08:39

本文选题：未央区　切入点：农村信用社　出处：《西北农林科技大学》2013年硕士论文　论文类型：学位论文

【摘要】：小额信贷，是我国农村信贷管理制度的重大改革，大力发展农村信用社小额信用贷款，能够有效缓解农民在贷款方面的困难情况。同时，也会得到较好地社会效益及经济效益。我国目前有显的实践效果著，但也有众多问题存在。本文从我国小额信贷定义入手，就小额信贷业务在未央区农村信用合作社的发展历程展开调查，指出了小额信贷业务现行发展存在的问题，并依据相关理论提出相应的整改措施，以确保小额信贷业务为现代化城乡建设做出贡献。本文共有以下六个部分的内容：第一章为导论，介绍未央区农村信用合作社小额信贷发展背景及本文研究意义，简要说明了文章研究思路和研究方法，并对国内外的研究概况，农村信用社小额信贷业务的相关的知识，小额信贷业务的核心机制进行了阐述。第二章介绍了小额信贷业务中得基础知识，，与相关理论知识。描绘了小额信贷业务的整体构架。第三章总体上对未央区得概况进行了介绍，并回顾了未央联社小额信贷的历史。接下来用实证分析了未央区农村信用合作联社小额信贷业务的现状。对未央农村信用社小额信贷的主要做法和取得的成效进行了说明。第四章对两种国际上比较成功的小额信贷模式作出说明，并对比了两种模式。两种成功经验带给未央农村信用社农户小额信贷业务发展的启示。第五章是对未央联社小额信贷业务发展进行了SWOT分析。阐述了未央联社发展小额信贷所具有的优势：网点分布广阔、经营机制灵活、客户关系紧密、市场领先地位。而劣势主要体现为：农民对小额信贷的认识不足、未央联社小额信贷风险意识不强、贷款营销不够。未央区农村信用合作社获得了国家发展小额信贷业务的政策支持，为该业务的发展带来了良好的机遇。威胁主要来自未央联社小额信贷业务不确定性高、竞争激烈等方面。第六章针对未央联社小额信贷业务出现的问题，提出了解决未央联社小额信贷发展的策略：加强宣传，让全社会认识小额信贷、促使未央联社小额信贷的操作机制更加完善、小额信贷的发放要受到严格的规范、要对信贷管理创新等。
[Abstract]:Microfinance is a major reform of China's rural credit management system, vigorously develop the micro credit loans of rural credit cooperatives, farmers can effectively alleviate the difficulties in loan. At the same time, will also get a better social and economic benefits. China currently has significant effect in practice, but there are also many problems. This paper from China's microfinance definition, investigating the microfinance of rural credit cooperatives in Weiyang District development, points out the existing problems in the development of micro credit business, and on the basis of the relevant theory puts forward the corresponding corrective measures, to ensure that the microfinance business to make contributions to the modernization of urban and rural construction. This paper consists of the following six a part of the content:
The first chapter is the introduction, introduces the background of the rural credit cooperatives Weiyang microfinance development and the significance of this research, a brief description of the research ideas and research methods, and research situation at home and abroad, the rural microfinance business related knowledge, the core mechanism of micro credit business are discussed.
The second chapter introduces the basic knowledge and relevant theoretical knowledge in the microfinance business, and describes the overall framework of the microfinance business.
The third chapter of Weiyang District was introduced, and a review of the history of the union of Weiyang microfinance. Followed by empirical analysis of the status quo of Weiyang District Rural Credit Cooperative microfinance business. The main approach of Weiyang micro credit of rural credit cooperatives and the results achieved are described.
The fourth chapter explains two kinds of successful international micro credit model, and compare the two models. The two successful experience to Weiyang rural credit cooperatives microfinance business development.
The fifth chapter is the union of Weiyang microfinance business development was analyzed by SWOT. Describes the development of micro credit cooperatives Weiyang advantages: wide distribution network, flexible management, customer relationship closely, a leading position in the market. And the disadvantages are as follows: the lack of farmers' understanding of the micro credit union, Weiyang microfinance risk consciousness strong loan marketing is not enough. The rural credit cooperatives in Weiyang District won the national development of microfinance policy support for the development of business has brought a good opportunity. The main threats from Weiyang cooperative microfinance high uncertainty and fierce competition.
In the sixth chapter, Weiyang cooperative microfinance business problems, put forward to solve the development of Weiyang union microfinance strategy: strengthen the propaganda, make the whole society understanding of microfinance, micro credit operation mechanism to promote the Weiyang Union more perfect, microfinance payment is subject to strict regulation, to the credit management innovation.

【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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