微型金融对云南农村季节性贫困扶持的研究

发布时间：2018-02-14 17:25

本文关键词： 季节性 AHP模型微型金融信贷匹配金融创新　出处：《云南财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：在云南大部分农村地区,农业收入仍是农民家庭最主要收入之一。受作物生长周期的影响,云南农村经济状况也具有一定的季节性特征,季节性贫困现象广泛存在。近年来微型金融在云南省内发展迅速,规模不断的壮大。随着金融市场化改革的推进,微型金融将迎来又一个发展的高峰时期。微型金融具有贷款额小,期限灵活,放款快的特征,但云南省微型金融发展现状与云南省季节性现状并不匹配,不匹配的原因主要是贷款期限不匹配和贷款金额的不匹配。本文在第二章与第三章阐述了有关贫困以及季节性贫困的相关理论,同时介绍了现阶段微型金融的相关技术,然后以三个国家为例,分析并总结了在三个国家里具有代表性的微型金融机构对季节性贫困的扶持经验。第四章里,本文利用AHP模型对云南省农村季节性经济状况进行了评价,并依据模型的分析结果,对其季节性贫困形成的原因进行了相应的分析。分析结果显示:农业收入与支出,外出务工收入和教育支出为影响农村季节性经济状况的最主要因素。针对云南农村经济状况季节性的特征,文章第五章研究了微型金融对农村信贷扶持的可行性模式。从事微型金融业务的金融机构可以通过设计创新金融产品的形式对云南的季节性贫困提供贷款金额,贷款期限都较为匹配的信贷产品。
[Abstract]:In most rural areas of Yunnan, agricultural income is still one of the most important incomes of peasant families. Affected by crop growth cycles, the rural economic situation in Yunnan also has seasonal characteristics. The phenomenon of seasonal poverty is widespread. In recent years, micro-finance has developed rapidly in Yunnan Province, and the scale has been constantly growing. With the development of financial marketization reform, Microfinance will usher in another peak period of development. Microfinance has the characteristics of small loan amount, flexible maturity and fast lending. However, the current development situation of micro-finance in Yunnan Province does not match the seasonal situation in Yunnan Province. The mismatch is mainly caused by the mismatch of loan term and loan amount. In the second and third chapters, the relevant theories of poverty and seasonal poverty are expounded, and the relevant technologies of microfinance are introduced. Then taking three countries as an example, this paper analyzes and summarizes the experience of supporting seasonal poverty by representative micro-financial institutions in three countries. In Chapter 4th, this paper uses AHP model to evaluate the seasonal economic situation in rural areas of Yunnan Province. According to the analysis results of the model, the causes of seasonal poverty are analyzed. The results show that: agricultural income and expenditure, Income from migrant workers and expenditure on education are the most important factors affecting the seasonal economic situation in rural areas. Chapter 5th studies the feasibility model of micro-finance for rural credit support. Financial institutions engaged in micro-finance can provide loans to Yunnan's seasonal poverty by designing innovative financial products. Loan maturities are more matched credit products.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F323.89;F832.4

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