临沧市临翔区农村信用合作联合社小额信贷发展问题研究

发布时间：2018-03-19 05:08

本文选题：临沧市　切入点：农村信用社　出处：《云南财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：小额信贷是国内农村信贷管理体系的一大创新变革,小额信用贷款的发展,在一定程度上满足了农户贷款不便需求,经济、社会效益得以提高,在国内的实施成效较优。而在这一应用过程中,依然存在诸多不足之处有待完善。本文以小额信贷为出发点,以临沧市临翔区农村信用合作联合社为研究主体,以小额信贷概念及相关理论为基础,分析其中存在的问题,并提出可行性建议。因农户发展家庭经营较多,故以农户群体信贷业务为节点,对临沧市临翔区农信社小额信贷发展阶段出现的问题展开研究,其问题包括有信贷定位存在偏差、小额信贷结构不合理、小额信贷操作机制不完善、保障机制不健全和小额信贷贷后管理不到位等。并以印尼BRI模式与孟加拉国乡村银行的运行特征为例,结合我国农村实情提出针对性处理对策,以期为我国农村信用社小额信贷发展提供理论参考,使其发展为拉动农村经济增长,建设小康社会的一大助力。
[Abstract]:Microfinance is a major innovation in the management system of rural credit in China. The development of micro-credit loans to a certain extent meets the inconvenient demand of farmers' loans, and the economic and social benefits can be improved. In the process of this application, there are still many deficiencies to be improved. This paper takes microcredit as the starting point and the Linxiang Rural Credit Cooperation Association as the main research body. Based on the concept of micro-credit and related theories, this paper analyzes the existing problems and puts forward some feasible suggestions. This paper studies the problems in the developing stage of microfinance in Linxiang District, Lincang City. The problems include the deviation of credit orientation, the unreasonable structure of microcredit, the imperfect operation mechanism of microfinance, and so on. The security mechanism is not perfect and the management after the microcredit loan is not in place. Taking the BRI model of Indonesia and the operating characteristics of the Bangladesh Rural Bank as an example, this paper puts forward some countermeasures to deal with the situation in the rural areas of our country. The aim is to provide a theoretical reference for the development of micro-credit in rural credit cooperatives in China, and to make it a great help to stimulate the rural economic growth and build a well-off society.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

【参考文献】