我国小额信贷系统的运行模式研究

发布时间：2018-07-01 18:33

本文选题：小额信贷 + 不对称信息　；参考：《贵州财经大学》2014年硕士论文

【摘要】：随着对贫困问题的关注的不断加深，扶贫已成为当今世界上最热门的话题之一，人们煞费苦心地为此献计献策，开展了长期的社会实验和实践，希望能寻找到一条行之有效而又为广大贫困人民乐于接受的最佳渠道，其中小额信贷被普遍认为是一种有效的扶贫办法。小额信贷一般是指专向中低收入阶层提供小额度的持续的信贷服务活动，其本质仍然是一种信贷方式。但由于小额信贷在一些地区成功地解决了正规金融机构长期以来没有解决的为穷人提供有效的信贷服务和同时实现信贷机构自身持续发展的问题，而被众多发展援助机构和发展中国家的政府视为一种有效的扶贫方式，，也因此成为国民经济等领域的研究热点。本文选择了其中的小额信贷系统的运行模式这个基础性的课题进行研究。本文研究的主要内容有以下几个方面：（1）分析小额信贷产生的背景，以及研究小额信贷所具有的现实意义。在对国内外小额信贷的发展进行综述的基础上，提出本文的研究内容和框架结构。（2）对我国小额信贷系统的历史进行回顾与分析，阐述小额信贷的含义、理论根源、发展状况以及小额信贷对社会做出的贡献。通过对我国不同历史时期小额信贷系统的分析，总结小额信贷系统发挥的作用和存在的缺陷等。（3）研究了孟加拉乡村银行模式、印度尼西亚的小额信贷体系等国外有代表性的小额信贷系统的特征及运行的成功经验，通过与国内的小额信贷模式对比分析，发现差异，以提供可供借鉴之处。（4）针对我国小额信贷业务的特点和存在的一系列问题，提出了我国新型小额信贷系统业务流程的改善措施和运行模式的选择方案。（5）根据我国国情研究设计小额信贷系统运行模式，解决包括贷款发放前的贷款农户的信用评价、小额信贷的利率确定、小额信贷的发放等主要问题。本文研究运用的主要方法是将国内外小额信贷系统的发展进行对比分析，最后进行小额信贷系统运行模式的研究设计，包括运用层次分析法对信用评估模型的设计、资本资产定价模型对利率定价方式以及小额信贷发放管理的研究。最后，在前文分析的基础上，文章得出了相应结论并分别从宏观层面、信贷管理过程和技术层面提出了政策建议。
[Abstract]:With the increasing attention to the problem of poverty, poverty alleviation has become one of the hottest topics in the world today. People have made painstaking suggestions and carried out long-term social experiments and practices. We hope to find an effective and acceptable channel for the poor people, in which microcredit is generally regarded as an effective way to alleviate poverty. Microcredit generally refers to providing small amount of continuous credit services to the middle and low income groups, and its essence is still a form of credit. However, since microcredit has succeeded in solving in some regions the long-standing problem of providing effective credit services to the poor and achieving the sustainable development of the credit institutions themselves, which formal financial institutions have not been able to address for a long time, It is regarded by many development aid agencies and governments of developing countries as an effective way to alleviate poverty, so it has become a research hotspot in the fields of national economy and other fields. This paper chooses the operation mode of microfinance system as the basic subject to study. The main contents of this paper are as follows: (1) analyzing the background of microfinance and the practical significance of studying microfinance. On the basis of summarizing the development of microfinance at home and abroad, this paper puts forward the research content and frame structure of this paper. (2) reviewing and analyzing the history of microfinance system in China, expounding the meaning and theoretical origin of microfinance. The state of development and the contribution of microcredit to society. Based on the analysis of the microfinance system in different historical periods in China, the paper summarizes the role and shortcomings of the microcredit system. (3) the paper studies the model of rural bank in Bangladesh. Indonesia's microfinance system and other representative foreign microfinance system characteristics and successful experience in operation, through comparative analysis with the domestic microfinance model, found differences. In order to provide reference. (4) in view of the characteristics of microfinance business and a series of problems, This paper puts forward the measures to improve the business process and the choice of the operation mode of the new microfinance system in China. (5) according to the national conditions of our country, the operating mode of the micro-credit system is designed. The main problems include the credit evaluation of the farmers before the loan issuance, the determination of the interest rate of the micro-credit, the granting of the micro-credit and so on. The main method of this paper is to compare and analyze the development of microfinance system at home and abroad, and finally to design the operation mode of microfinance system, including the design of credit evaluation model by AHP. Capital asset pricing model on interest rate pricing and microfinance management. Finally, on the basis of the previous analysis, the paper draws the corresponding conclusions and puts forward policy recommendations from the macroscopic level, the credit management process and the technical level.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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