从温州民间借贷危机看我国小额信贷的未来之路

发布时间：2018-04-16 21:22

本文选题：小额贷款 + 商业银行　；参考：《西南财经大学》2013年硕士论文

【摘要】：小额贷款作为一个新生事物被提出后很快得到了世界各国的认可,它不仅可以作为扶贫的手段之一,也可成为促进经济发展的辅助力量。随着我国政府不断加大对“三农”产业的投入以及对中小企业进行融资帮扶行动,小额贷款行业即将获得一个巨大的市场需求和良好的政策环境,并有望快速崛起,成为金融市场上的重要力量。目前我国已经形成了以农业银行、农村信用社、中国邮政储蓄银行为主导,农业发展银行、其他中小商业银行和小额贷款公司等为补充的多层次、多元化的小额信贷市场格局。受益的对象主要包括：中小微型企业、个体经营者、农户等等。小额贷款的前景本是一番欣欣向荣的景象,然而温州信贷危机的爆发使得人们重新审视、思考了当下小额贷款业务的现状,虽是发展势头大好,却大多数是表面功夫,没有落实到实处。当前,新兴的小额贷款行业虽然受到国家的政策支持,但是还没有形成一个成熟的行业规模。小额贷款公司的数量在逐年递增,已经达到了6000多家,其中大部分的抗风险能力都较低。然而想要降低风险就又需要对贷款客户提高要求,那么很多中小企业就无法通过贷款的审批了。因此,借款方与贷款方都还未形成双方互利、共同发展的局面。目前,我国的资本市场还不够发达,金融市场体系也不太完善,在今后的发展中应扬长避短,开拓创新,探索出适合我国的有特色的小额贷款发展之路。本文以温州借贷危机为例,分别调查研究了我国商业银行和小额贷款公司的小额贷款业务开展情况,并与国外发展小额贷款的成功与失败案例进行对比,从而分析出我国在小额贷款业务开展方面具有哪些优势,找出还可能存在的问题与不足。最终结合我国具体国情,提出一些较为合理的改进建议。
[Abstract]:Microfinance, as a new thing, has been recognized by many countries in the world soon after it was put forward. It can not only be used as a means of poverty alleviation, but also a auxiliary force to promote economic development.With the Chinese government increasing its investment in the "three rural" industries and financing the small and medium-sized enterprises, the microfinance industry is about to obtain a huge market demand and a good policy environment, and it is expected to rise rapidly.To become an important force in the financial market.At present, China has formed a multi-level and diversified micro-credit market, which is supplemented by Agricultural Bank, Rural Credit Cooperatives, Postal savings Bank of China, Agricultural Development Bank, other small and medium-sized commercial banks and micro-credit companies.The beneficiaries include: small and medium-sized micro-enterprises, self-employed, farmers and so on.The prospect of microfinance is a scene of prosperity. However, the outbreak of the Wenzhou credit crisis has made people re-examine and reflect on the current situation of microfinance business. Although the development momentum is good, most of them are superficial efforts.It has not been put into practice.At present, although the emerging microfinance industry is supported by national policies, it has not yet formed a mature industry scale.The number of microfinance companies has increased year by year, to more than 6000, most of which are less resistant to risk.However, if we want to reduce the risk, we need to raise the requirements of loan customers, so many small and medium-sized enterprises can not pass the loan approval.Therefore, the borrowers and lenders have not yet formed a mutually beneficial, common development situation.At present, the capital market of our country is not developed enough, and the financial market system is not perfect. In the future development, we should take advantage of the advantages and avoid the weaknesses, open up and innovate, and explore the developing road of the characteristic small loans which is suitable for our country.Taking the Wenzhou loan crisis as an example, this paper investigates and studies the development of microfinance business of commercial banks and microfinance companies in China, and compares it with the success and failure cases of developing microfinance in foreign countries.Then it analyzes the advantages of our country in the development of microfinance business, and finds out the possible problems and shortcomings.Finally, combined with the specific situation of our country, some more reasonable suggestions for improvement are put forward.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

【参考文献】