衡阳市农村信用社小额信贷问题研究

发布时间：2018-03-23 10:48

本文选题：农村信用社　切入点：小额信贷　出处：《湖南农业大学》2013年硕士论文

【摘要】：20世纪70年代,小额信贷最早是由孟加拉国的Yunus教授创立,主要是提供不需要抵押担保小额度贷款给中低收入农户来缓解贫困问题,受到广大发展中国家的青睐。我国作为农业大国,三农问题一直影响国内经济的健康快速发展,为了有效解决农户的贫困问题,我国于上世纪九十年代引进了小额信贷,虽然取得了一些成效,但还存在着很多不足。本文对国内农信社的小额信贷问题进行分析,首先从国内外关于小额信贷的研究进行综述,阐述了小额信贷的概念以及产生的相关理论,如金融抑制论、金融深化论、金融约束论、农业信贷补贴论等,为后续研究奠定理论基础；随后对我国农信社的实践、基本要素、特点及信贷作用进行说明；其次对衡阳市农信社开展的小额信贷发展情况进行说明,在研究衡阳市农信社小额信贷发展状况的基础上,找出衡阳市农信社开展小额信贷实践中所存在的问题,并从小额信贷、农信社、政策及农户4个方面对其原因进行分析；最后在借鉴格莱珉银行、印尼人民银行、阳光银行及乌干达村银行互助组等国外农村小额信贷成功运行的经验,在政策创新和机制创新两方面对国内农信社小额信贷的发展提出相关建议,确保国内农信社小额信贷业务的健康良好发展,进一步促进国内农村经济发展,为社会主义新农村的建设做出贡献。
[Abstract]:In the 1970s, microcredit was first founded by Professor Yunus in Bangladesh to provide small loans to low- and middle-income farmers without collateral to alleviate poverty. China, as a large agricultural country, has always affected the healthy and rapid development of the domestic economy. In order to effectively solve the poverty problem of farmers, China introduced microcredit in the 1990s. Although some achievements have been made, there are still many shortcomings. This paper analyzes the microfinance problems of domestic rural credit cooperatives. Firstly, it summarizes the research on microfinance at home and abroad, and expounds the concept of microfinance and related theories, such as financial suppression theory, financial deepening theory. Financial constraint theory, agricultural credit subsidy theory and so on, lay a theoretical foundation for the follow-up study, and then explain the practice, basic elements, characteristics and credit function of our country's rural credit cooperatives. Secondly, it explains the development of micro-credit in Hengyang Rural Credit Cooperative, and on the basis of studying the development of micro-credit in Hengyang City, finds out the problems existing in the practice of micro-credit in Hengyang Rural Credit Cooperative. And from the micro-credit, rural credit cooperatives, policies and farmers to analyze its four aspects; finally, in reference to the Grameen Bank, the people's Bank of Indonesia, The experience of successful operation of rural micro-credit in foreign countries, such as Sunshine Bank and Uganda Village Bank Mutual Assistance Group, puts forward relevant suggestions on the development of domestic rural credit cooperatives in terms of policy innovation and mechanism innovation. To ensure the healthy development of the micro-credit business of the domestic rural credit cooperatives, to further promote the development of the domestic rural economy, and to contribute to the construction of the new socialist countryside.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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