我国农村小额信贷可持续发展研究

发布时间：2018-02-12 23:29

本文关键词： 农村小额信贷可持续发展社会绩效业务绩效　出处：《山东财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：20世纪90年代初期，我国初步试点小额信贷业务，截至今日，我国的小额信贷业务已实现规模化发展，为无数贫困人口脱贫致富，进入小康生活提供了必要的支持与帮助。但是国际国内经济形势日新月异，特别是农村经济发展蒸蒸日上，迫切需要我们对小额信贷的相关理论进行更加系统深入的研究。山东省做为我国的一个农业大省，农村经济在全省经济中份额较重，对小额信贷的发展研究更是不容忽视。虽然小额信贷自开展以来，在缓解山东省三农问题上发挥了积极作用。但是在运行中仍然存在着诸如信用环境差、政府职能缺失、小额信贷收益低等问题，急需对这些问题进行梳理、解决，引导其可持续发展。本文共分为六个部分：第一章介绍了小额信贷的背景、意义，并详述了当前关于小额信贷的文献研究成果；第二章介绍了小额信贷的基本理论知识，其中对小额信贷可持续发展的衡量标准做了着重描述；第三章以山东省为例，概述了小额信贷的发展条件及发展历程，并深入剖析了其供求现状；第四章主要根据当前山东省小额信贷的实践数据，，实证分析小额信贷可持续发展具有可行性；第五章分别从环境、政府、内部机制三个层次上指出制约小额信贷可持续发展的主要因素；第六章针对前文中提到的制约因素，为小额信贷的可持续发展提出了科学、有效的政策建议。
[Abstract]:In the beginning of 1990s, our country initially pilot microfinance business. As of today, the microfinance business in our country has achieved large-scale development, helping countless poor people to get rid of poverty and become rich. Entering a well-off life has provided the necessary support and help. However, the international and domestic economic situation is changing with each passing day, especially the development of the rural economy is booming. There is an urgent need for us to conduct a more systematic and in-depth study on the related theories of microfinance. As a large agricultural province in China, Shandong Province has a heavy share of the rural economy in the economy of the province. Although microfinance has played an active role in alleviating the problems of agriculture, rural areas and farmers in Shandong Province since it was launched, there are still some problems such as poor credit environment and lack of government functions. It is urgent to sort out, solve and guide its sustainable development because of the low income of microfinance. This paper is divided into six parts: the first chapter introduces the background and significance of microfinance, and describes the current literature on microfinance, the second chapter introduces the basic theoretical knowledge of microfinance. The third chapter takes Shandong Province as an example, summarizes the development conditions and development process of microfinance, and deeply analyzes the current situation of supply and demand. Chapter 4th mainly based on the current practice data of microfinance in Shandong Province, empirical analysis of microfinance sustainable development feasibility; 5th chapter from the environment, the government, The main factors restricting the sustainable development of microfinance are pointed out in three levels of internal mechanism. Chapter 6th puts forward scientific and effective policy recommendations for the sustainable development of microfinance in view of the constraints mentioned above.
【学位授予单位】：山东财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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