河源市农村小额信贷可持续发展研究

发布时间：2018-03-14 00:50

本文选题：小额信用贷款　切入点：农村　出处：《仲恺农业工程学院》2014年硕士论文　论文类型：学位论文

【摘要】：本文主要用了理论分析和实例分析两种方法进行论述。文章首先分析了小额信用贷款的含义和特点，进而明确农村小额信贷的内涵。文章还对小额信贷产生的背景、国内外发展趋势及小额信贷模式的相关理论等几个方面来进行了分析。河源地处欠发达地区，小额农贷发展相对滞后，其发展过程中呈现的各种矛盾更为复杂、更为特殊。农村小额信用贷款可以推动加快农村的农业生产结构优化的步伐，特别是在农业、林业、渔业等各个产业方面，这有助于加快农村贫困农户增收的步伐。笔者在相关的理论基础上，通过对河源市实际情况的全面了解，重点阐述河源农村地区发放小额信用贷款的主体运作情况、小额信用贷款2009年到2013年的发放状况、河源市小额信贷业务的运行模式以及河源市发放贷款的管理流程。在此基础上，，笔者进一步剖析了不同发放主体之间机构特征、信用风险管理以及信贷产品供需方面的特点，总结出河源农村小额信用贷款发展过程中出现的问题及其原因。河源市是一个山区城市，小额信贷发放主体在服务“三农”的大前提下实现可持续发展，将有利于河源市农村经济的发展、有利于农民增收。本文归纳了河源市农村小额信用贷款现状以及实际操作中暴露出问题，进一步运用swot剖析的方法对河源市实现小额信用贷款业务可持续发展的可能性进行了阐述。结合河源市的实际情况和借鉴国内外发展经验，总结出河源农村地区实现小额信贷可持续发展的建议。
[Abstract]:This article mainly uses the theory analysis and the example analysis two kinds of methods to carry on the elaboration. The article first analyzed the small credit loan the meaning and the characteristic, then clarified the rural small credit connotation, the article also to the microfinance production background, The development trend at home and abroad and the related theories of microfinance model are analyzed. Heyuan is located in underdeveloped areas, the development of small agricultural loans is relatively lagging behind, and the contradictions in its development process are more complex. More special. Rural micro-credit loans can accelerate the pace of optimizing the agricultural production structure in rural areas, especially in agriculture, forestry, fisheries and other industries. This will help accelerate the pace of increasing the income of poor rural households in rural areas. On the basis of relevant theories and through a comprehensive understanding of the actual situation in Heyuan City, the author focuses on the main operation of issuing micro-credit loans in Heyuan rural areas. From 2009 to 2013, the distribution of micro-credit, the mode of operation of micro-credit business in Heyuan City and the management process of granting loans in Heyuan City. On the basis of this, the author further analyzes the institutional characteristics among different issuing subjects. The characteristics of credit risk management and supply and demand of credit products are summarized. The problems and causes in the development of small credit loans in Heyuan rural areas are summarized. Heyuan City is a mountainous city. Under the premise of serving agriculture, rural areas and farmers, the main body of micro-credit will realize sustainable development, which will benefit the development of rural economy in Heyuan City. This paper sums up the present situation of rural small credit loan in Heyuan City and the problems exposed in the actual operation. The possibility of realizing the sustainable development of small credit loan business in Heyuan City is further expounded by using the method of swot analysis, combining with the actual situation of Heyuan City and drawing lessons from the development experience at home and abroad. The suggestion of realizing the sustainable development of micro credit in Heyuan rural area is summarized.
【学位授予单位】：仲恺农业工程学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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