土默特左旗农村信用社农户小额信贷研究

发布时间：2018-06-05 22:52

本文选题：农村信刚社 + 小额信贷　；参考：《内蒙古农业大学》2014年硕士论文

【摘要】：国际社会普遍认为,小额信贷有效的缓解了贫困问题。因小额信贷功能的独特性,为了解决贫困问题,发展中国家已把小额信贷作为农村金融服务的重要手段。1993年,孟加拉乡村银行的小额信贷模式作为一种扶贫理念和独特的信贷工具被国际援助机构和国内非政府组织引入中国。这个阶段,虽在扶贫方面取得了一些效果,但组织机构的发展空间是有限的,不能持续的为贫困人群提供服务；2000年,在政府和人民银行的支持下,农村信用社开始全面开展小额信贷业务,发放“小额信用贷款”和“农户联保贷款”并成为该项业务的主要力量。农村小额信贷作为农村信用社的主营业务之一,既能解决农民贷款难问题又能促进农民增收、推进农业产业化进程、优化农村信用环境,为中国的社会主义 ‘新农村”建设作出贡献；同时,农村信用社通过小额信贷取得了可观的交易费用和利息收入、提高了营业额,增强了行业的竞争能力。中国农村信用社小额信贷通过十多年的发展,服务覆盖面和农民的信贷数量有了很大的提升。但是,通过阅读相关文献和实地调研,农村信用社小额信贷业务发展中存在着一些问题,阻碍了农户的贷款行为。对此,本文通过对土默特左旗(以下简称土左旗)农村信用社的供给现状和需求现状分析,采用SWOT分析法,总结出土左旗农村信用社发展中存在的问题,提出相应的解决措施,以帮助土左旗农村信用社更快、更好的实现小额信贷业务的可持续发展以满足农民需求,进而带动农民增收、促进当地农村经济发展,为缩小城乡经济差距作出贡献。
[Abstract]:The international community generally believes that microcredit has effectively alleviated the problem of poverty. Because of the unique function of microcredit, in order to solve the problem of poverty, developing countries have adopted microfinance as an important means of rural financial services. Grameen Bank's microcredit model has been introduced into China by international aid agencies and domestic NGOs as a concept of poverty alleviation and a unique credit tool. Although some results have been achieved in poverty alleviation at this stage, there is limited room for the development of organizations that can provide services to the poor on a sustainable basis. In 2000, with the support of the Government and the people's Bank, The rural credit cooperatives began to carry out the micro-credit business in an all-round way, issued "micro-credit loans" and "peasant household unsecured loans" and became the main force of the business. As one of the main business of the rural credit cooperatives, rural micro-credit cooperatives, as one of the main business, It can not only solve the problem of farmers' loan difficulties, but also promote farmers' income, promote the process of agricultural industrialization, optimize the rural credit environment, and contribute to the construction of China's socialist 'new countryside'. Rural credit cooperatives obtain considerable transaction costs and interest income through microfinance, increase turnover and enhance the competitiveness of the industry. Through the development of more than ten years, the service coverage and the amount of farmers' credit have been greatly improved. However, by reading relevant literature and field research, there are some problems in the development of micro-credit business of rural credit cooperatives, which hinder the farmers' lending behavior. In this paper, through the analysis of the supply and demand status of Tumerte Zuo Banner (hereinafter referred to as Tuzuo Banner), using SWOT analysis, the paper summarizes the problems existing in the development of Tuzuo Banner Rural Credit Cooperative, and puts forward the corresponding solutions. In order to help Tuzuo Banner Rural Credit Cooperatives faster and better realize the sustainable development of micro-credit business to meet the needs of farmers, and then promote farmers' income, promote the development of local rural economy, and contribute to narrowing the gap between urban and rural economy.
【学位授予单位】：内蒙古农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F832.43

【参考文献】