山东省农村信用社小额信贷业务运作管理研究

发布时间：2018-06-24 10:44

本文选题：农村信用社 + 小额信贷　；参考：《华中科技大学》2014年硕士论文

【摘要】：农村信用社作为农村金融行业的主力军，在农村金融行业提供小额信贷服务，对于支持社会主义新农村建设、促进地方经济发展带动农村产业结构升级发挥的作用。但农村信用社小额信贷业务运作与管理方面还存在着信贷供需不匹配、农村小额信贷的风险不易掌控等问题，文章从这些问题出发，研究探索农村信用社在提供小额信贷业务过程中可以懫取的措施，从现实实证分析，探讨构建完整的农村小额信贷运营模式。因此，本文的研究不仅具有一定的理论指导价值，而且对于实践中开展小额信贷服务，提供农村金融服务，发展农村经济，促进农民增收提供借鉴和参考，具有现实意义。首先，主要通过对于研究背景及意义的探讨，对于国内外专属研究员的论著进行综合呈现，并着力对研究思路、方法进行介绍；其次，主要是对于农信理论的阐释。通过夯实小贷理论基础（这其中包含信贷基本内涵、信贷表征以及发展阶段等），为实践研究做一定的辅助；最后，则在研究理论的基础上着重对于农村信贷体制在山东的具体分析，，并剖析其中所存在纰漏及潜含风险；最后一部分利用SWOT分析法来逐步针对性提出问题策略建议。
[Abstract]:As the main force of rural financial industry, rural credit cooperatives provide microfinance services in rural finance industry, which play a role in supporting the construction of new socialist countryside and promoting the development of local economy and promoting the upgrading of rural industrial structure. However, there are still some problems in the operation and management of micro-credit business of rural credit cooperatives, such as mismatch between supply and demand of credit, and the risk of rural micro-credit is not easy to control. This paper studies and explores the measures that can be taken by rural credit cooperatives in the process of providing micro-credit, and discusses the construction of a complete operation mode of rural micro-credit from the practical empirical analysis. Therefore, the study of this paper not only has certain theoretical guiding value, but also has practical significance for developing microfinance services, providing rural financial services, developing rural economy, and promoting farmers' income increase. First of all, mainly through the research background and significance of the discussion, for the domestic and foreign exclusive researchers of the comprehensive presentation of the works, and focus on the research ideas, methods to introduce; secondly, mainly for the interpretation of the theory of rural credit. Through the consolidation of the theoretical basis of small loans (which includes the basic content of credit, credit characterization and development stage, etc.), to do a certain amount of assistance for the practical research; finally, Then on the basis of the research theory, it focuses on the specific analysis of rural credit system in Shandong Province, and analyzes the flaws and potential risks; the last part uses SWOT analysis method to gradually put forward some suggestions.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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