中国农村小额信贷问题研究

发布时间：2018-01-12 18:50

本文关键词：中国农村小额信贷问题研究　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：解决农村地区的小额信贷问题能够帮助农村低收入人口改善生活水平,有利于实现全面建成小康社会的目标。农业是中国的第一产业,中国的稳定首先在于农村的稳定。改革开放以来,经过近四十年的努力中国农村地区的经济面貌已经发生了翻天覆地的改变。农村人口收入水平持续上升,农民物质生活和精神生活水平都得到了提高,在这些改变的同时农村金融发展也进入了“瓶颈期”,农村低收入人口面临着“贷款难”的问题,而农村金融机构也出现了“难贷款”的现象。我国目前的金融体制仍不完善,农村金融服务不足,农村资金外流严重。面对如此多的农村金融问题,想要建设好社会主义新农村,必然要求进一步开放农村金融市场,调整农村金融机构的准入政策,同时鼓励金融产品的创新来满足农村居民多样性的金融服务需求。农村小额信贷作为一种被实践证明有效减贫和满足农村地区贷款需求的手段,近年来受到了广泛的关注。本文的第一部分是绪论。指出中国农村小额信贷问题这一选题的依据和研究意义,该领域的研究现状,本论文的研究研究思路和方法以及本文的框架结构与创新之处。第二部分:对农村小额信贷的相关问题进行概述,介绍了中国农村小额信贷的相关概念、中国农村小额信贷发展的意义和中国农村小额信贷的理论基础。第三部分:对中国农村小额信用贷款的四个主要发展历程、目前发展的现状以及当前中国农村小额信贷出现的主要问题。第四部分:提出了中国农村小额信贷的发展对策。本文通过对中国农村小额信贷的发展历程和现状的阐述,指出中国农村小额信贷发展的意义,分析了中国农村小额信贷目前所面临的问题,并找到中国农村小额信贷发展的对策,认为通过相应的法律保障、风险补偿保障、健全的征信系统和鼓励小额信贷多元化发展等方式,对于中国农村小额信贷的发展十分有效。
[Abstract]:Solving the problem of micro-credit in rural areas can help the low-income rural population to improve their living standards and help to achieve the goal of building a well-off society in an all-round way. Agriculture is China's primary industry. The stability of China lies first in the stability of the countryside. After nearly 40 years of reform and opening up, the economic outlook of China's rural areas has undergone earth-shaking changes, and the income level of the rural population has continued to rise. At the same time, the rural financial development has also entered the "bottleneck period", the rural low-income population is facing the problem of "loan difficulty". But the rural financial institution also appeared the phenomenon of "difficult loan". The present financial system of our country is still not perfect, the rural financial service is insufficient, the rural capital outflow is serious, facing so many rural financial problems. In order to build a good new socialist countryside, it is necessary to further open the rural financial market and adjust the access policy of rural financial institutions. At the same time, encourage the innovation of financial products to meet the diverse needs of rural residents of financial services. Rural microcredit as a proven effective means of poverty reduction and rural areas to meet the demand for loans. The first part of this paper is the introduction. It points out the basis and significance of this topic and the research status in this field. The research ideas and methods of this paper, as well as the framework structure and innovation of this paper. The second part: summarize the related problems of rural microfinance, and introduce the related concepts of rural microfinance in China. The significance of the development of rural micro-credit in China and the theoretical basis of micro-credit in rural China. The third part: the four main development processes of micro-credit in rural China. The present situation of the development and the main problems of the rural micro-credit in China. Part 4th:. This paper puts forward the countermeasures of the development of rural microfinance in China. This paper expounds the course and current situation of the development of micro-credit in rural China. This paper points out the significance of the development of rural micro-credit in China, analyzes the problems faced by rural micro-credit in China, and finds out the countermeasures for the development of micro-credit in rural areas of China. Risk compensation, sound credit system and encouraging the diversified development of microcredit are very effective for the development of rural microfinance in China.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

【相似文献】