包商银行兴安盟分行农业贷款现状及对策研究

发布时间：2018-01-19 02:30

本文关键词： 农业贷款小额信贷包商银行兴安盟　出处：《内蒙古大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年来,随着国外小额信贷技术在发展中国家成功经验的推广,我国社会各界也对小额信贷给予了更多的关注,经过一个阶段的发展,我国农村小额信贷在缓解农村金融市场的货币供求矛盾、优化农村金融结构等方面已取得了显著的经济效应。但截至目前,小额信贷的发展仍存在很多问题,难以满足社会经济发展的要求。为了促进西部落后地区和广大农村区域的经济增长,并将这些地区的低收入人口纳入经济发展的轨道,使这些地区能够分享到经济增长带来的好处,中国的农村小额信贷还需要发挥更多、更重要的作用。我们面临的挑战是多方面的,所以,为推进小额信贷的健康发展,各金融机构要积极为之创造更好的社会环境。本文将从我国“三农”问题提出的政策背景出发,介绍国内外有关农村小额信贷的理论解释,阐述有关农村小额信贷定义、作用、发展模式等概念性问题,以兴安盟地区为例,结合入驻当地第一家股份制商业银行-包商银行近两年的支农业务盘点兴安盟地区农村小额信贷支农业务发展现状,归纳分析农村小额信贷发展缓慢的一部分原因,并针对性的提出相对应的建议。
[Abstract]:In recent years, with the successful experience of foreign microfinance technology in developing countries, our society has also given more attention to microfinance, through a stage of development. China's rural microfinance has achieved significant economic effects in alleviating the contradiction between the supply and demand of money in the rural financial market and optimizing the rural financial structure. However, up to now, there are still many problems in the development of micro-credit. It is difficult to meet the requirements of social and economic development. In order to promote the economic growth of the backward areas in the west and the vast rural areas, the low-income population in these areas will be brought into the orbit of economic development. To enable these regions to share the benefits of economic growth, China's rural microfinance needs to play a much more important role. The challenges we face are multifaceted, so. In order to promote the healthy development of microfinance, financial institutions should actively create a better social environment. This paper introduces the theoretical explanation of rural microfinance at home and abroad, and expounds some conceptual problems such as the definition, function and development model of rural microfinance, taking the area of XingUNITA as an example. Combined with the local first joint-stock commercial bank-contractor bank in the past two years of the agricultural business inventory XingUNITA area rural micro-credit agricultural support business development situation. This paper summarizes and analyzes some reasons for the slow development of rural microfinance, and puts forward corresponding suggestions.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F832.43

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