通辽市科尔沁区农户小额信贷存在的问题及对策研究

发布时间：2018-04-13 15:31

本文选题：农户小额信贷 + 小额信贷机构　；参考：《内蒙古大学》2017年硕士论文

【摘要】：随着我国经济的飞速发展,政府对社会主义新农村建设的大力扶持以及城乡一体化建设的不断推进,农业在国民经济中占据着重要的地位,承接城市产业转移以及农村相关产业升级。在国际经济形势低迷,各种发展充满不确定性的大背景下,如何通过改善农村小额信贷存在的问题,来发展农村经济,增加农户收入,改善农村基础设施以及实现产业结构的升级就显得格外重要。并且,借此还可以将农民潜在的消费需求激发出来以带动农村经济的发展。内蒙古通辽市科尔沁区占地共为481.8万亩,总播种面积达到220万亩,其中,粮食作物的播种面积为204万亩。全区总人口数为81万,其中,近7成人口都属于农村人口,具备农业户口。通辽市科尔沁区的人均收入在我国相对来说属于相对落后的状态,并且一些地区在农业方面还没有实现农业的现代化,技术水平落后,这导致区内的贫富差距较大。所以,大力发展农村金融,使农业实现从劳动密集型向资金、技术密集型转变,这在引导和提升全区的农业发展方面意义重大。对通辽市科尔沁区农户小额信贷主要采用定性与定量相结合、理论与实践相结合及比较分析的方法对其研究。通过调查发现,随着内蒙古的发展,对于资金的需求,尤其是小额信贷的需求呈现出逐年递增的趋势,但由于机构的管理水平不佳,使得其不足以应对现存的市场需求与风险,无法实现供需平衡的状态,地下金融泛滥。在结合先前成功案例以及科尔沁区现状的前提下,研究通辽市科尔沁区农户小额信贷存在的问题,并找出存在问题的原因,提出相应的解决对策,促进通辽市科尔沁区农户小额信贷的健康持续发展,并为其他地区的小额信贷发展起到借鉴作用。目前,通辽市科尔沁区的农户小额信贷的发展仍处在初级阶段,机制体制还不完善,通辽市科尔沁区小额信贷的发展仍处在初级阶段,但是其发展空间巨大。通过对通辽市科尔沁区农户小额信贷现状的分析,找出原因,针对其提出具有建设性的意见。比如:应扩大贷款覆盖面、降低贷款申请难度、完善小额信贷管理制度等。此次的研究既可为通辽市科尔沁区农户小额信贷的发展保驾护航,也为其他地区的经济的发展有借鉴的作用。探索一条能使得通辽市科尔沁区农户小额信贷健康、可持续发展的道路。
[Abstract]:With the rapid development of our country's economy, the great support of the government to the construction of the new socialist countryside and the continuous promotion of the urban-rural integration construction, agriculture plays an important role in the national economy.Undertake urban industrial transfer and rural related industries upgrade.Under the background of the depressed international economic situation and the uncertain development, how to develop the rural economy and increase farmers' income by improving the problems existing in rural microcredit,Improving rural infrastructure and achieving industrial structure upgrading is particularly important.Furthermore, the potential consumption demand of farmers can be stimulated to promote the development of rural economy.Korqin District of Tongliao City, Inner Mongolia covers an area of 4.818 million mu, with a total sowing area of 2.2 million mu, in which the sowing area of grain crops is 2.04 million mu.The total population of the region is 810000, among which, nearly 70% of the population belong to the rural population, with agricultural hukou.The per capita income of Corqin District in Tongliao City is relatively backward in our country, and some areas have not realized the modernization of agriculture and the backward level of technology, which leads to a big gap between the rich and the poor in the region.Therefore, it is of great significance to develop rural finance and make agriculture realize the transformation from labor-intensive to capital-intensive and technology-intensive, which is of great significance in guiding and promoting the agricultural development of the whole region.In this paper, the method of qualitative and quantitative analysis, the combination of theory and practice and comparative analysis are used to study the micro-credit of farmers in Korqin District of Tongliao City.Through the investigation, with the development of Inner Mongolia, the demand for capital, especially the demand for micro-credit, is increasing year by year, but because of the poor management level of the institution, it is insufficient to cope with the existing market demand and risk.Unable to achieve a state of balance between supply and demand, underground finance is flooding.On the premise of combining the previous successful cases and the present situation of Korqin District, this paper studies the problems existing in micro-credit of farmers in Korqin District of Tongliao City, finds out the causes of the problems, and puts forward the corresponding solutions.To promote the healthy and sustainable development of farmers' microfinance in Korqin District, Tongliao City, and to play a reference role in the development of microfinance in other areas.At present, the development of micro-credit of farmers in Korqin district of Tongliao City is still in the primary stage, the mechanism system is not perfect, and the development of micro-credit in Korqin District of Tongliao City is still in the primary stage, but its development space is huge.Based on the analysis of the present situation of farmers' micro-credit in Korqin District of Tongliao City, this paper finds out the reasons and puts forward constructive suggestions for it.For example: should expand the loan coverage, reduce the difficulty of loan application, improve the microcredit management system and so on.This study can not only protect the development of micro-credit for farmers in Korqin District, Tongliao City, but also serve as a reference for the economic development of other regions.To explore a way to make rural households in Korqin District of Tongliao City healthy and sustainable development.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

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