彭山县农村小额信贷发展研究

发布时间：2018-01-19 16:08

本文关键词： 彭山农村小额信贷发展　出处：《西南财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：伴随我国经济体制改革的不断深化和社会主义市场经济体制的确立,金融业的市场化趋势也逐渐明显,近年来无论是在金融体制还是金融产品上创新层出不穷。但与金融业市场化发展不协调的是城乡金融发展差距进一步拉大,金融业也逐渐显现出了城乡二元化的结构特征。农村金融发展的滞后甚至已经成为制约农村经济发展的瓶颈因素,为了破解农村金融资源匮乏的难题,农村小额信用贷款制度应运而生,作为一种具有扶贫性与市场性相结合的新型贷款模式,农村小额信贷对于满足低收入农户群体的资金需求,有效发挥金融的激励与约束作用,促进农村信贷市场的繁荣,继而促进农村经济发展,缩小城乡收入差距,都发挥了重要作用,已经成为我国农村金融体系不可或缺的有益补充。但是在农村小额信贷具体的实践过程中,由于各地区经济社会发展水平的不一致,很难有一套放之四海而皆准的小额信贷操作标准,这就需要按照各个地区不同的经济发展水平、社会特色结构等探索适合自身实际的小额信贷发展模式。本文正是在这样的背景之下,选择笔者工作和生活的四川彭山县为例,以实地调研为契机,全面了解了彭山县目前农村小额信贷业务的开展现状,通过调研发现,目前仍然存在诸多问题,,如小额信贷办理手续复杂、评级授信真实性难以保证、贷款证问题、年龄限制问题、贷款期限问题、贷款金额问题以及风险保障措施不健全,都对农村小额信贷的可持续发展带来阻碍,本文在借鉴国外成熟农村小额信贷经验的基础上,结合彭山县目前的实际情况,从开展农村小额信贷的各项相关政策、转变政府职能、业务流程及管理措施的优化完善、建立健全激励约束机制、完善和创新农村小额信贷的服务体系以及完善农村小额信贷的风险保障措施等几个方面提出了有针对性的对策建议,力争使农村小额信贷可以成为更多的农民脱贫致富的重要方式,将最终推动农户小额信贷的不断发展。
[Abstract]:With the deepening of China's economic system reform and the establishment of socialist market economic system, the market-oriented trend of the financial industry is gradually obvious. In recent years, whether in the financial system or financial products, innovation is endless. However, the gap between urban and rural financial development is further widening, which is not in harmony with the market-oriented development of the financial industry. The rural financial development lags behind has even become the bottleneck factor that restricts the rural economic development, in order to solve the problem of the lack of rural financial resources. Rural micro-credit system emerged as the times require, as a new type of loan model with the combination of poverty alleviation and market, rural micro-credit to meet the financial needs of low-income farmers. Effective play the role of financial incentives and constraints to promote the prosperity of rural credit markets, and then promote the development of rural economy, reduce the income gap between urban and rural areas, have played an important role. It has become an indispensable and beneficial supplement to the rural financial system in our country. However, in the concrete practice of rural micro-credit, the level of economic and social development in different regions is not consistent. It is very difficult to have a set of universal standard of microfinance operation, which needs to explore a suitable mode of microfinance development according to the different economic development level and social characteristic structure of each region. It is under this background that this paper chooses Pengshan County, where I work and live, as an example, and takes the field investigation as an opportunity to comprehensively understand the current development situation of rural micro-credit business in Pengshan County. Through the investigation, there are still many problems, such as the complex procedures of micro-credit processing, the authenticity of credit rating is difficult to guarantee, the issue of credit card, age limit, loan term. The problem of loan amount and the imperfect risk protection measures are all hindering the sustainable development of rural micro-credit. This paper draws lessons from the experience of foreign mature rural micro-credit. According to the current situation of Pengshan County, from the development of rural micro-credit policies, the transformation of government functions, business processes and management measures to optimize and improve the establishment of a sound incentive and restraint mechanism. Improving and innovating the service system of rural micro-credit and perfecting the risk protection measures of rural micro-credit put forward targeted countermeasures and suggestions. Strive to make rural micro-credit become an important way for more farmers to get rid of poverty and become rich, which will eventually promote the continuous development of micro-credit.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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