从小额贷款看新农村建设中的基层政府

发布时间：2018-04-11 01:03

本文选题：小额贷款 + 新农村建设　；参考：《河南大学》2013年硕士论文

【摘要】：2005年10月，党的十六届五中全会在北京隆重召开，会议上提出了建设社会主义新农村的战略任务。围绕着这一战略性的任务，我国出台了一系列政策，从中央到地方，都在为了更好地建设社会主义新农村而奋斗着。而建设新农村的主体，还是最广大的基层群众。小额信贷，直接面向基层群众，，是一种本身就具备扶贫性质的金融制度，对改善农民生活、建设社会主义新农村有着巨大的意义。从2005开始，在央行和政府的推动下，小额信贷在全国范围内铺开，再加上这几年农业银行、邮政储蓄银行以及各类非政府小额信贷组织纷纷进入小额信贷市场，使得小额信贷得到了快速发展，有效地缓解了农村金融供求紧张的局面。而且，值得关注的是，在小额信贷走进千家万户的过程中，基层政府扮演了重要的角色。基层政府作为我国最末一级的政府，它能否为农民提供有效的公共服务，能否给贷款群众创造一个有利的创业环境，能否正确引导基层群众合理创业，直接决定了小额信贷成功与否，新农村建设成功与否。我们要重视基层政府与小额信贷之间的联系，因为小额信贷可以促进农民增收，从而以点带面，带动当地经济发展，而且，一个地区的经济发展程度，又直接决定了新农村建设的好坏与快慢。反过来，新农村建设又能为当地百姓提供更多的发展机会，更大的市场，从而进一步促进小额信贷发展。小额信贷若发展好了，就能与新农村建设构成一个良性循环圈。而在这个循环圈里，起到穿针引线作用的，责无旁贷的就是基层政府。但是，现在看来，我国的小额信贷当前还存在一些问题，比如说放贷对象与实际需求者出现偏差，相关公共服务不够完善等，这中间折射出的就是基层政府存在的问题。针对这些问题，我们要广义上从基层政府的执政地位、执政理念，狭义上从基层政府在小额信贷、新农村建设过程中扮演的角色、起到的作用进行分析，寻找问题发生的原因，做到有的放矢。本文从小额信贷的视角，通过分析小额信贷的现状，而找到当前在社会主义新农村建设背景下基层政府存在的一些问题，为提高我国基层政府执政能力提出可行性建议。本文共分四章，具体研究内容如下：第一章，导论。本章确定了研究主题，通过阐述选题的背景、目的和意义，明确了研究思路，确定了研究内容。第二章，基本内涵与相关理论。本章从小额信贷与新农建设的定义、性质等方面着手，介绍了小额信贷与新农村建设的一些相关的理论知识，为以后的分析打下基础。第三章，小额贷款发展历程及折射出的基层政府问题。本章首先对小额信贷这几年的发展做了简单的描述，使大家对小额信贷的发展有了一个清晰的认识。然后通过分析当前我国小额信贷存在的问题，研究这些问题与基层政府之间的关联性，寻找基层政府在新农村建设过程中做的不到位的地方。例如对小额信贷认识上的偏差，监管上的不利，基层政府对此都要承担一定的责任。第四章，提高基层政府执政能力的对策。本章是在第三章的基础上，针对第三章提出的具体问题，从制度、经济、社会等多角度出发，为提高基层政府执政能力提出具体措施。
[Abstract]:In October 2005, the party held in Beijing in the fifth Plenary Session of the 16th CPC Central Committee, the meeting put forward the strategic task of building a new socialist countryside. Around this strategic task, China promulgated a series of policies, from central to local, in order to better the social construction of new socialist countryside and struggle. The subject and the construction of new countryside still, most grassroots. Microfinance, directly facing the masses, is a kind of itself with the nature of the financial poverty alleviation system, to improve the lives of farmers, which are of great significance in building a new socialist countryside. From the beginning of 2005, the central Bank and the government's promotion, micro credit spread across the country, and and in recent years the Agricultural Bank, postal savings bank and various non-governmental microfinance organizations have entered the microfinance market, make microfinance has been developing rapidly, effectively alleviate the The rural financial supply and demand tension. Moreover, the concern is that in the process of microfinance into thousands of households in the local government plays an important role in the grass-roots government. As the last level of the government, it can provide effective public services for farmers, can create a favorable business environment for the masses loan and whether they can correctly guide the masses reasonable business, directly determines the success of microfinance, the new rural construction success. We should pay attention to between the grass-roots government and microfinance, because micro credit can promote the increase of farmers' income, thus to promote the development of local economy, and the degree of economic development in an area, and directly determines the quality and speed of the construction of new countryside. In turn, the new rural construction and can provide more opportunities for local people, more market, thus further promoting In the development of microfinance microfinance. If the development of good will, and new rural construction form a virtuous cycle. In this circle, to act as a go-between role, is bound to the grass-roots government. However, it now appears that China's microfinance is currently there are still some problems, such as lending and the actual needs of the deviation, the public service is not perfect, there is the refraction of the grass-roots government is the problem. To solve these problems, we have generalized from the grass-roots government ruling status, the ruling idea, the narrow sense from the grassroots government in microfinance, play a role in the process of new rural construction, analyzed from the function, find the reasons, problems occur so targeted.
This article from the perspective of microfinance, through the analysis of the present situation of microfinance, and find the existing problems of grass-roots government in the context of building a new socialist countryside, in order to improve our local government's ability to put forward feasible suggestions. This paper is divided into four chapters, the specific contents are as follows: the first chapter is introduction. This chapter identifies the research through the theme, elaborated the selected topic background, purpose and significance, the research mentality, the research content is determined. In the second chapter, the basic connotation and the related theory. This chapter from the definition of microfinance and new rural construction, property and other aspects, introduces some related theoretical knowledge of micro credit and the construction of new countryside, play the foundation for the future analysis. In the third chapter, microfinance development and reflects the grass-roots government. The first chapter of microfinance development in recent years are briefly described, so that everyone on the Have a clear understanding of the development of microfinance. And then through the analysis of the existing problems of microfinance in China, study on the relationship between these problems and government, for local government in the process of new rural construction do not in place. For example, the deviation of understanding of microfinance supervision, adverse in this regard, the grass-roots government should bear some responsibility. In the fourth chapter, the countermeasures to improve grass-roots government capacity. This chapter is based on the third chapter, according to the specific problems mentioned in the third chapter from the system, economic, social and other point of view, in order to improve the ruling ability of the government put forward specific measures.

【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D422.6;F832.4

【共引文献】