小额贷款对弱势群体创业再就业的作用研究

发布时间：2018-01-25 22:48

本文关键词： 弱势群体小额贷款作用风险分析　出处：《西南交通大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着经济体制改革和社会结构调整,我国出现了一批新型的经济困难人群,他们当中部分暂时丧失劳动力或生产资料,部分身体健康有劳动力但遭遇风险。无疑,这些人成为了下岗失业人员的主力军,而大量的失业现象必将导致严重的社会问题。因此,如何正确引导弱势群体,为他们提供一个创业或再就业的平台,成为解决弱势群体大量失业现象的首要前提。本文在分析小额贷款的原理、案例以及在借鉴国内外小额贷款帮扶弱势群体创业再就业成功经验的基础上,试图寻找的一种新的途径：采用小额贷款这种“造血式”的市场经济行为,有效地帮扶、启动弱势群体创业再就业,使他们更好地参与到社会经济活动中,让他们获得更多的经济利益,提高生活水平和质量。同时,小额贷款本身是一种市场经济行为,,势必承担运行的风险。如何更加有效地规避小额贷款在运营过程中的风险,是目前需要解决的一个重要的问题。针对这个问题,本文提出了相应的解决方案。本文通过对案例的分析,说明小额贷款在促进相应人群创业再就业中,起到较为积极有效的作用。小额贷款的正确使用提升了部分弱势群体的经济水平,使他们的生活经济状况得到了明显改善。继续加强小额贷款在市场经济活动中的风险规避,使其更加健全、有效地运转起来；同时把小额贷款作为一种帮扶手段而有效地促进弱势群体的创业再就业,必将成为解决我国经济高速发展与贫困弱势群体矛盾的重要途径。
[Abstract]:With the reform of the economic system and the adjustment of the social structure, a new group of people with economic difficulties have emerged in our country, some of whom have temporarily lost their labor force or the means of production. No doubt, these people have become the main force of the laid-off and unemployed, and a large number of unemployment will lead to serious social problems. Therefore, how to correctly guide the vulnerable groups. To provide them with a platform for entrepreneurship or re-employment is the first prerequisite to solve the problem of mass unemployment of vulnerable groups. This paper analyzes the principle of microfinance, cases and in the domestic and foreign micro-loans to help vulnerable groups on the basis of successful employment experience. Try to find a new way: to adopt the "hematopoiesis" market economy behavior of micro-loan, to help effectively, to start the weak group to start a business and re-employment, so that they can participate in the social and economic activities better. Let them get more economic benefits, improve living standards and quality. At the same time, microfinance itself is a market economy behavior. It is an important problem that needs to be solved at present how to avoid the risk of microfinance in the course of operation more effectively. In view of this problem, this paper puts forward the corresponding solution. Through the analysis of cases, this paper shows that microfinance plays a more active and effective role in promoting the employment of the corresponding groups. The correct use of microfinance has improved the economic level of some vulnerable groups. Their living and economic conditions have been significantly improved. Continue to strengthen micro-credit in market economic activities to avoid risks, make it more sound, effective operation; At the same time, it will become an important way to solve the contradiction between the rapid development of economy and the poor and vulnerable groups by effectively promoting the entrepreneurship and re-employment of the vulnerable groups as a means of helping them.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F249.2

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