包商银行惠农小额贷款问题研究

发布时间：2018-04-21 12:30

本文选题：包商银行达茂旗惠农贷款公司 + 农户小额贷款　；参考：《内蒙古财经大学》2014年硕士论文

【摘要】：“农村、农民、农业”问题始终是困扰中国经济持续、快速和健康发展的重要课题。“三农”问题不能彻底解决,其他方面发展再快,整个经济还是要受到一定制约的,三农问题与我国农村农户小额信贷没有得到充分解决是分不开的。自20世纪60年代末起,孟加拉国的默罕默德尤诺斯博士开始了小额信贷的尝试。20世纪90年代,我国开始学习和借来鉴其他发展中国家在小额信贷方面的一些成功经验。联合国将2005年定为小额信贷年,2006年孟加拉国乡村银行及其创始人荣获诺贝尔和平奖更是引发“尤诺斯冲击波”。我国政府越来越重视小额信贷在农村地区的扶贫作用。本文论述中主要从以下几个方面入手。首先,文章以农村小额贷款的一般理论为依据,阐述了农村小额贷款的基本概念和特点,在此基础之上,介绍了农村小额贷款可持续发展的涵义及特点,并介绍了农村金融的相关理论,以后文的研究做理论上的支撑。接下来本文介绍了包商银行达茂旗惠农贷款公司的基本情况,以及包商银行农户小额贷款在发展过程中存在的问题,并对存在的问题进行了成因分析。分析中发现,目前包商银行达茂旗惠农贷款公司农户小额贷款在发展中存在的问题主要有服务范围过大,导致机构和人员都相对不足；信用额度小,难以满足客户的实际需求；贷款期限短,信贷资金得不到充分的利用；服务产品创新力不足；贷款用途与实际用途不符；清收存在一定的困难,难度较大。造成这些问题的原因既有内部的也有外部的。然后本文以达茂旗为例,对包商银行达茂旗惠农贷款公司的农户小额贷款为农民增收带来的实际影响进行了实证分析,分析表明,包商银行达茂旗惠农贷款公司的农户小额贷款业务在发展中虽然存在着一些个问题,但它为农民的增收确实起到了非常重要的积极作用。本文最后通过对我国其他省份的农村小额贷款业务发展情况的介绍,总结其发展经验,并分析出其对包商银行达茂旗惠农贷款公司农户小额贷款的启示。在此基础之上,针对前文提出的包商银行达茂旗惠农贷款公司农户小额贷款在发展中存在的问题,提出了对策和建议。在研究过程中阅读了大量的参考文献,并综合运用比较分析法和实证分析与规范分析相结合的方法,概括了农村小额贷款的基本概念和相关理论,并对包商银行达茂旗惠农贷款公司农户小额贷款的发展进行了分析和总结,最后提出发展建议。具有一定的针对性和实用性,对包商银行达茂旗惠农贷款公司和我国其他城市商业银行更好的开展小额贷款业务具有较强的指导意义。
[Abstract]:"Countryside, Peasants, Agriculture" has always been an important issue for the sustained, rapid and healthy development of China's economy. The problem of "agriculture, countryside and farmers" can not be solved thoroughly, and the whole economy will still be restricted by the rapid development of other aspects. The problem of "agriculture, countryside and farmers" is inseparable from the fact that the micro-credit of rural households in our country has not been fully solved. Since the late 1960s, Dr. Mohammed Yunos of Bangladesh began his attempt at microcredit. In the 1990s, our country began to learn from and learn from the successful experiences of other developing countries in microcredit. The United Nations designated 2005 as the year of Microcredit, and in 2006 Grameen Bank of Bangladesh and its founders received the Nobel Peace Prize as a shock wave. The government of our country pays more and more attention to the role of micro-credit in helping the poor in rural areas. This article discusses mainly from the following several aspects. First of all, based on the general theory of rural microfinance, this paper expounds the basic concepts and characteristics of rural microfinance, and on this basis, introduces the meaning and characteristics of rural microfinance sustainable development. And introduced the related theory of rural finance, the research in the future to do theoretical support. Then this paper introduces the basic situation of the contractor bank Damao Banner Huinong loan Company and the problems existing in the development process of the Peasant Peasant small loan in the contractor Bank and analyzes the causes of the existing problems. It is found that the problems existing in the development of farmers' small loans in the development of the contractor Bank of Damao Banner Huinong loan Company are mainly too large a service range, resulting in relatively insufficient institutions and personnel, small credit lines, and difficulties in meeting the actual needs of customers. The loan term is short, the credit fund is not fully utilized; the service product innovation ability is insufficient; the loan use does not accord with the actual use; the clear collection has some difficulties, the difficulty is great. The causes of these problems are both internal and external. Then, taking Damao Banner as an example, this paper makes an empirical analysis on the actual impact of the small loans of the farmers of the contractor Bank to the increase of farmers' income. The analysis shows that, Although there are some problems in the development of farmer's micro-loan business of Huilong loan Company, the contractor bank, it does play a very important and positive role in increasing farmers' income. In the end, this paper introduces the development of rural microfinance business in other provinces of China, summarizes its development experience, and analyzes its inspiration to farmers in Damao Banner Huilong loan Company of the contractor Bank. On this basis, the paper puts forward some countermeasures and suggestions to solve the problems existing in the development of farmers' small loans in Damao Banner of the contractor Bank. In the course of the study, I read a large number of references, and comprehensive use of comparative analysis and empirical analysis and normative analysis method, summed up the basic concepts of rural microfinance and related theories. Finally, the author analyzes and summarizes the development of farmer's small loans in Damao Banner of the contractor Bank, and finally puts forward some suggestions for development. It has certain pertinence and practicability, which has a strong guiding significance for the contractor bank, Damao Banner Huinong loan Company and other commercial banks in other cities of our country to carry out the small loan business better.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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