我国小额信贷模式历史演进研究

发布时间：2018-04-28 14:40

本文选题：小额信贷 + 制度模式　；参考：《辽宁大学》2014年硕士论文

【摘要】：小额信贷（microfinance）作为将组织创新与金融创新的信贷活动与扶贫到户项目有机结合的产物，在促进社会公平和经济效率协同发展的历史进程中发挥了重要的作用。现在越来越多的人都在期盼具有“小贷款、大战略”意义的小额信贷能为以人为本的科学发展观的贯彻和社会主义和谐社会的构建做出应有的贡献。从世界范围来看，当前各国在如何推动小额信贷从试点到推行再到制度化发展方面仍需积极探索，诸多问题还有待于小额信贷的研究者和实践者以及政策制定者来解决。正是基于这样的背景，本文试图利用微观经济学、经济史、制度经济学等现有研究的基础上，深入分析我国小额信贷发展的历史演变，，各个发展阶段事例分析及发展中存在的弊端，进而寻找到一些切实可行的解决思路和方法，这也正是本文的研究意义之所在。基本框架如下：第一章，绪论。主要介绍选题的背景和意义，整理并综述关于小额信贷历史演进问题的文献资料，交代本文的研究思路、基本框架、研究方法与创新之处。第二章，小额信贷概念阐释，详细具体的介绍小额信贷的相关概念，如小额信贷、交易成本，信息不对称。然后重点阐述了研究我国小额信贷历史演变的必要性。第三章，介绍小额信贷发展第一阶段（1993-1996.09）小额信贷项目或机构实验初级阶段（照搬GB模式但未取得全面成效），分析主体及实例分析。首先介绍了我国小额信贷第一阶段时间段划分，然后详细说明了在我国实施小额信贷发展的第一阶段的特点，最后介绍了我国小额信贷发展第一阶段的利弊。第四章，第二阶段（1996.10-1999）项目扩展阶段（非政府资金与政府资金混合）从内因、外因两方面入手，分析第二阶段发展特点。第五章，第三阶段（2000-2004）农村正规金融机构进入和各类项目进入制度化建设阶段（农村信用社进入）本章主要介绍此阶段小额信贷结构构成及模式形成利弊分析。第六章，第四阶段（2005.12-至今）中央管理部门鼓励民营资本和海外资金进入小额信贷市场（商业小额信贷，市场化路线）。第七章，我国小额信贷可持续发展的对策建议。
[Abstract]:As a product of combining the credit activities of organizational innovation and financial innovation with poverty alleviation projects, Microfinance plays an important role in the historical process of promoting social equity and economic efficiency. Nowadays, more and more people are looking forward to microfinance with "small loans, big strategy" meaning can make due contribution to the implementation of people-oriented scientific development concept and the construction of a harmonious socialist society. From the perspective of the world, the current countries still need to actively explore how to promote microfinance from pilot to implementation to institutionalization, and many problems need to be solved by microfinance researchers and practitioners as well as policy makers. Based on this background, this paper attempts to make use of the existing research of microeconomics, economic history, institutional economics and so on, to deeply analyze the historical evolution of the development of micro-credit in China. The analysis of cases in each stage of development and the disadvantages in development, and then find out some practical solutions and methods, which is also the significance of this study. The basic framework is as follows: Chapter one, introduction. This paper mainly introduces the background and significance of the topic, collates and summarizes the literature on the historical evolution of microcredit, explains the research ideas, basic framework, research methods and innovations. In the second chapter, the concept of microcredit is explained in detail, such as microfinance, transaction cost, information asymmetry. Then the necessity of studying the historical evolution of microfinance in China is expounded. The third chapter introduces the first stage of microfinance development (1993-1996.09), the primary stage of micro-credit project or institution experiment (copying GB model but has not achieved overall results), the main body of analysis and the analysis of examples. This paper first introduces the division of the first stage of microfinance in China, then explains in detail the characteristics of the first stage of the development of microfinance in China, and finally introduces the advantages and disadvantages of the first stage of the development of microfinance in China. Chapter four, the second stage (1996.10-1999), the expansion stage of the project (the mixture of non-governmental funds and government funds) analyzes the development characteristics of the second stage from two aspects: internal and external factors. Chapter five, the third stage (2000-2004) the entry of rural formal financial institutions and the institutionalization of various projects (entering rural credit cooperatives) this chapter mainly introduces the structure of micro-credit in this stage and the advantages and disadvantages of the formation of the model. Chapter VI, stage IV 2005.12- so far) the central administrative department encourages private capital and overseas capital to enter the microfinance market (commercial microfinance, market-oriented line). Chapter seven, the countermeasures and suggestions for the sustainable development of microfinance in China.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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