天津嘉和信小额贷款公司可持续发展研究

发布时间：2018-03-10 05:20

本文选题：小额信贷　切入点：可持续发展　出处：《天津商业大学》2014年硕士论文　论文类型：学位论文

【摘要】：小额信贷是一种小规模的金融服务方式，服务于城乡低收入阶层，兴起于上世纪70年代，之后在国际上快速发展。本文以科学发展观为指导，通过对天津嘉和信小额贷款有限公司(以下简称嘉和信)经营现状的深入了解与剖析，发现影响可持续发展的内外部因素，和针对如何使小额贷款公司可持续发展提出建议和对策，为我国小额贷款公司的可持续发展提供一定的借鉴与指导。作者觉得村镇银行虽然不是小额贷款公司必须的出路,但应该以此为目标，高标准的要求企业向这个方向发展，企业也能发展的更好。从实际情况出发,小额贷款公司未来应该定位在“新型非存款类金融机构”，在肯定小额贷款公司金融机构性质的同时，不能偏离当初设立的初衷，要使小额贷款公司更好地为中小企业和三农服务，使其发挥更好的作用，使弱势群体一样享受到金融服务，在促进国民经济的发展中发挥更大的作用。文着重从影响嘉和信小额贷款公司可持续发展的因素进行剖析，密切结合嘉和信小额贷款公司的成长实践，，通过海量数据、实例和图表的引用，对嘉和信发展的规律特点进行总结。力求较为准确、全面的解读这一新型农村金融组织在我国的发展历程。最后，分析影响和制约嘉和信发展的相关因素并提出对应的政策建议，希望能给予同行业公司一些借鉴。
[Abstract]:Microfinance is a kind of small-scale financial service, which serves the urban and rural low-income groups. It rose in -30s, and then developed rapidly in the world. This paper is guided by the scientific concept of development. Through the in-depth understanding and analysis of the present operating situation of Tianjin Jiahexin Microcredit Co., Ltd. (hereinafter referred to as Jiahe Xin), it is found that the internal and external factors affecting sustainable development are internal and external factors. And put forward suggestions and countermeasures on how to make the sustainable development of microfinance companies, and provide some reference and guidance for the sustainable development of microfinance companies in China. The author thinks that village banks are not the necessary way out for microfinance companies. However, we should take this as our goal. High standards require enterprises to develop in this direction, and enterprises can also develop better. Proceeding from the actual situation, In the future, microfinance companies should be positioned as "new types of non-deposit financial institutions." while affirming the nature of microfinance companies' financial institutions, they should not deviate from the original intention of establishing them. To enable microfinance companies to better serve small and medium-sized enterprises and agriculture, rural areas and farmers, so that they can play a better role in enabling vulnerable groups to enjoy financial services, To play a greater role in promoting the development of the national economy. This paper focuses on the analysis of the factors that affect the sustainable development of Jiahexin Microcredit Corporation, and closely combines the growth practice of Jiahhe Microcredit Corporation through massive data. The citation of examples and charts summarizes the characteristics of the law of Jia-he 's development, and tries to interpret the development course of this new rural financial organization in our country more accurately and comprehensively. Finally, This paper analyzes the relevant factors that influence and restrict the development of Jiahexin, and puts forward corresponding policy suggestions, hoping to give some reference to the same industry companies.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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