新型农村金融组织对小微企业信贷服务创新研究

发布时间：2018-01-07 05:40

本文关键词：新型农村金融组织对小微企业信贷服务创新研究　出处：《天津财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：新型农村金融组织于2007年开始设立,之后在全国各地的县域地区纷纷建立起来,农村金融市场逐渐具有了新活力,农村信用社的垄断地位也遭到了巨大挑战,竞争秩序得以完善。新型农村金融组织扎根农村地区,以服务“三农”及农村小微企业为宗旨,多年来,响应国家政策导向不断推出新的金融服务,进行金融产品创新,农村金融环境得以改善。新型农村金融组织规模及经营特征、独特的地缘优势都成为农村小微企业最应该选择的金融服务组织,农村小微企业作为新型农村金融组织的主要客户群体,在农村经济发展中担当吸收劳动力、创造效益、促进农民增收的重要角色。根据近年来的调研数据显示,农村小微企业的融资问题仍然是阻碍其发展的最大难题,新型农村金融组织的对小微企业提供的信贷服务远远达不到农村小微企业的融资需求,无论是量上的缺口还是结构上的不匹配,都需要通过金融创新来解决融资难题。基于上述背景,文章首先介绍了目前新型农村金融组织的发展概况及其对农村小微企业的信贷服务的创新概况,从中提出了新型农村金融组织创新服务存在的问题及创新过程中存在的制约因素；其次,列举了具有代表性的新型农村金融组织的创新业务模式,同时考虑到目前大中型商业银行在小微金融服务方面的经验与优势,对商业银行的创新产品也做了相关介绍,并对这些成功案例的经验做了总结；最后,由信贷服务创新存在的问题与成功案例的经验提出了新型农村金融组织对小微企业信贷服务的创新路径,并对新型农村金融组织长足发展做出展望。
[Abstract]:The new rural financial organizations began to set up in 2007, after all over the country in the county area have been established, the rural financial market is gradually becoming a new vitality, the rural credit cooperatives monopoly has also been a huge challenge, competition in order to improve the new rural financial organization. Rooted in rural areas, to serve the "three rural" and rural small micro for the purpose of enterprises, over the years, in response to the national policies continue to introduce new financial services, financial product innovation, rural financial environment can be improved. The new rural financial organization and management characteristics, unique geographical advantages have become Small and micro businesses should choose the rural financial services organization, rural Small and micro businesses as the main customer groups the new rural financial organizations, in the rural economic development act to absorb labor, create benefits, promote the important role of increasing farmers' income. According to the recent The survey data to show that the financing problem of rural Small and micro businesses is still the biggest problem hindering the development of Small and micro businesses, provide new rural financial institutions credit services than rural Small and micro businesses financing needs, whether it is not matching the amount of gap structure, need to solve the financing problems through financial innovation. Based on the above background, this paper first introduces the general situation of the development of innovation of new rural financial institutions and credit services for rural Small and micro businesses. At present, puts forward the problems and restricting factors of innovation of new service in the presence of a new rural financial organization; secondly, lists the new rural the financial organization representative of the innovative business model, taking into account the current large and medium-sized commercial banks in the small and micro financial services experience and advantage, for commercial banks Innovative products were also introduced, and the successful experience is summarized; finally, the problems and successful cases exist by the credit service innovation experience put forward new rural financial organizations for small and micro enterprise credit service innovation path, and make prospects for rapid development of new rural financial organizations.

【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4;F276.3

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