我国小额信贷市场发展研究

发布时间：2018-03-31 14:42

本文选题：小额信贷　切入点：金融协调　出处：《山西财经大学》2013年硕士论文

【摘要】：小额信贷作为一种适合农村金融需求特点的金融业务，主要解决一些小额、分散、短期、无抵押、无担保的资金需求，是运用金融手段脱贫致富的有效途径，同时也是我国建立健全农村金融服务体系的重要手段。本文对我国小额信贷进行了新的定义，提出了小额信贷的理论基础，尤其分析了金融协调理论用于小额信贷的可行性和重要性，本文中心讨论了现阶段我国小额信贷的供求状况。从我国农村金融供给与需求两个方面重点分析，总结了我国农户的金融需求状况和发展趋势，随着社会的发展，其对资金的需求变得多元化、多层次；从农村金融供给来看，分析了我国传统金融机构、新型农村金融机构和各种扶贫机构及民间自发基金组织的农村小额信贷状况，揭示了其对于完善我国农村的金融服务体系的重要作用。通过对我国小额信贷供求状况的分析，，本文认为我国小额信贷现在最大的问题就是供求不均衡。分析其形成原因，主要表现为：供给方积极性不足、资金不足且来源单一、信用评级制度不规范、农贷法律不健全等；需求方受到贷款门槛高、还款风险大的影响，贷款难仍是个难题等。因而，为解决上述原因对我国小额信贷的不良影响，本文建议政府相关部门要加大惠农支农的力度，创新风险补偿机制、创新定价机制，制定更完善的农贷法规；银监会要加强监管，制定更科学的监管体制；各个小额信贷机构要不断创新风险控制机制、信用机制、服务质量等。
[Abstract]:Microfinance, as a kind of financial business suitable for the characteristics of rural financial needs, mainly solves some small, dispersed, short-term, unsecured and unsecured capital needs. It is an effective way to use financial means to get rid of poverty and become rich.At the same time, it is also an important means to establish and perfect the rural financial service system.This paper gives a new definition of microfinance in China, puts forward the theoretical basis of microfinance, especially analyzes the feasibility and importance of financial coordination theory in microfinance.This paper discusses the current situation of supply and demand of microfinance in China.Based on the analysis of rural financial supply and demand in China, this paper summarizes the financial demand and development trend of farmers in China. With the development of society, the demand for funds becomes diversified and multi-level; from the point of view of rural financial supply,This paper analyzes the situation of rural microfinance in China's traditional financial institutions, new rural financial institutions, various pro-poor institutions and non-governmental voluntary fund organizations, and reveals its important role in perfecting the rural financial service system in China.Based on the analysis of the supply and demand of microfinance in China, the author thinks that the biggest problem is the imbalance of supply and demand.The main reasons for its formation are as follows: insufficient enthusiasm of the supply side, lack of funds and single source, non-standard credit rating system, imperfect agricultural loan law, and so on, and the demand side is affected by the high threshold of loans and the large risk of repayment.The difficulty of lending is still a problem, etc.Therefore, in order to solve the negative impact of the above reasons on micro-credit in China, this paper suggests that the relevant government departments should strengthen the efforts to support agriculture, innovate the risk compensation mechanism, innovate the pricing mechanism, and formulate more perfect agricultural loan laws and regulations.The CBRC should strengthen supervision and establish a more scientific supervision system, and every microfinance institution should constantly innovate risk control mechanism, credit mechanism, service quality and so on.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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