黑龙江省鸡西市农村小额信贷发展研究

发布时间：2018-02-10 21:57

本文关键词： 农户小额信贷小额信贷风险对策　出处：《东北农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：本章以农村小额信贷为研究主体,阐述了农村小额信贷的基本概念和特点。在此基础上,介绍了小额信贷的相关理论,并且引出了普惠性金融体系,阐述了其理念的涵义及特点,为后文的研究论述做理论上的支撑。首先,本文详细介绍了近几年鸡西农村经济发展的基本现状,而后对鸡西小额信贷2010年到2013年间供给需求的情况进行分析,同时指出小额信贷在发展过程中存在的问题,并对农村小额信贷发展的影响因素和农村小额信贷面临的风险进行分析。分析中发现,目前鸡西农户小额信贷在发展中存在的问题主要是：政府利率优惠政策难以落实到位,同时缺少相应的政策配套措施；小额信贷机构自身经营和管理的能力不足；没有建立完善的保障体系,使得信贷风险不能有效避免：农民收入受自然因素的影响较强,导致银行清收难度加大。其中,社会因素、经济因素、自然因素等,是造成这些问题的主要原因。本文通过对其中部分因素分析,构建农户收入经济模型,从而得出鸡西农户小额信贷为农民增收带来积极的影响。最后,通过对我国贵州省以及其他省份成功的农村小额信贷业务发展模式的介绍,总结其获得成功的经验,并分析其对鸡西农户小额信贷发展的启示,而后得出：鸡西农户小额信贷业务在发展中虽然存在着一些问题,但同时它也为农民的增收确实起到了非常重要的积极作用。本文在此基础之上,针对前文提出的鸡西农户小额信贷在发展过程中出现的问题,提出相应的对策和建议。例如完善农村小额信贷运行的政策环境；提高小额信贷机构的经营管理水平；大力发展农业保险,分散小额信贷的运营风险；建立重大自然灾害风险补偿机制等。本文的完成建立在参阅了大量的参考文献和网站上,运用比较分析法和实证分析,从而归纳了鸡西农村小额信贷的基本情况与相应的问题,提出解决建议。文章研究分析的主要目的与意义：一是要了解在鸡西市农村经济发展的过程中,小额信贷供给需求的现状以及目前存在的问题；二是为保证鸡西市农村小额信贷的长久且可持续的发展,提出了具有一定的针对性和实用性的改革建议和对策,为鸡西农村各个地区更好的开展和完善小额信贷业务提供了较为实际的指导作用。
[Abstract]:This chapter takes rural microfinance as the main body of study, expounds the basic concepts and characteristics of rural microfinance. On this basis, it introduces the relevant theories of micro-credit, and leads to the inclusive financial system. This paper expounds the meaning and characteristics of the concept, and provides theoretical support for the later research. Firstly, this paper introduces in detail the basic status quo of the rural economic development in Jixi in recent years. Then it analyzes the supply and demand of Jixi micro-credit from 2010 to 2013, and points out the problems existing in the development of micro-credit. It also analyzes the influencing factors of the development of rural micro-credit and the risk of rural micro-credit. It is found that the problems existing in the development of rural micro-credit in Jixi are that the preferential policy of government interest rate is difficult to implement. At the same time, there is a lack of corresponding policy measures; the ability of micro-credit institutions to manage and manage themselves is insufficient; the credit risk can not be effectively avoided because of the lack of a sound security system: farmers' income is strongly influenced by natural factors. The main causes of these problems are social factors, economic factors, natural factors and so on. Through the analysis of some of the factors, this paper constructs the economic model of farmers' income. Finally, through the introduction of successful rural micro-credit business development model in Guizhou Province and other provinces of China, the successful experience is summarized. It also analyzes its enlightenment to the development of micro-credit of farmers in Jixi, and draws the conclusion: although there are some problems in the development of micro-credit business of farmers in Jixi, But at the same time, it does play a very important role in increasing farmers' income. On the basis of this, this paper aims at the problems in the process of development of micro-credit for farmers in Jixi. The corresponding countermeasures and suggestions are put forward, such as perfecting the policy environment of rural micro-credit operation, improving the management level of micro-credit institutions, vigorously developing agricultural insurance and dispersing the operational risks of micro-credit; The establishment of major natural disaster risk compensation mechanism. The completion of this paper is based on a large number of reference documents and websites, using comparative analysis and empirical analysis, so as to sum up the basic situation and corresponding problems of rural micro-credit in Jixi. The main purpose and significance of the research and analysis in this paper are as follows: first, we should understand the current situation and existing problems of the supply of microfinance in the process of rural economic development in Jixi; Second, in order to ensure the long-term and sustainable development of rural micro-credit in Jixi City, the paper puts forward some specific and practical reform suggestions and countermeasures. For Jixi rural areas to better develop and improve microfinance business to provide a more practical guidance.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

【共引文献】