云南小额信贷公司发展的分析与探讨

发布时间：2018-06-21 13:09

本文选题：小额信贷公司 + “三农”　；参考：《云南师范大学》2013年硕士论文

【摘要】：近年来，随着我国四大国有商业银行股改上市，经营链条收缩，县支行经营机构所剩无几，逐步淡出农村金融服务领域。农村金融服务形成农村信用社孤军奋战的基本格局。农村经济发展，特别是解决新农村建设发展问题，在融资方面受到了很大的制约，如何解决这一问题，如何解决制约农村经济发展融资这一瓶颈问题成为了政府和理论界争论长期性话题。本文从2006年获得诺贝尔和平奖的孟加拉经济学学家莫罕默德尤努斯在这一难题的研究上取得了突破性的进展，创立了一种新型金融方式—小额信贷入手。通过对欧美、亚洲小额信贷模式发展成功的研究，通过对1993年我国社会科学院农村发展研究所首次将孟加拉小额信贷模式引入，成立了“扶贫经济合作社”。特别是2004年以来，政府开始推出一系列支持小额信贷的政策来鼓励发展小额信贷。至2011年12月末，全国共有小额贷款公司4282家，比2010年底的2614家增加加1668家，增速高达64%；贷款余额3915亿元，比2010年的1975亿元增加1940亿元，增速高达98%的情况作为本文小额信贷的研究分析点。分析国内小额信贷发展面临的问题和相应的政策环境，提成了云南为发展民营经济，小微企业，“三农”建设，小额信贷如何发展服务云南的分析与研究。作为边疆落后地区，小额信贷自1992年在云南实施试点以来，发展速度较为迅速，对云南农村经济的发展，特别是农村融资的不足起了巨大的作用。本文从云南小额信贷发展现状及面临困境的原因出发，对比国内外小额信贷发展模式，阐述了在云南农村实行小额信贷对云南农村经济的作用，并就小额信贷在云南农村施行中存在的问题进行必要的分析，在此基础上提出解决问题的基本思路。
[Abstract]:In recent years, with the reform of the stock market of the four state-owned commercial banks in China, the chain of operation shrinks, and there is little left of the management institutions of the county branches, which gradually fade out of the field of rural financial services. Rural financial services form the basic pattern of rural credit cooperatives fighting alone. Rural economic development, especially the problem of solving the problem of new rural construction and development, has been greatly restricted in terms of financing. How to solve this problem? How to solve the bottleneck of restricting the financing of rural economic development has become a long-term topic of debate between the government and the theorists. In this paper, the Bangladeshi economist Mohammed Yunus, who won the Nobel Peace Prize in 2006, has made a breakthrough in the research of this difficult problem, and has created a new financial method, micro-credit. Through the research on the successful development of microfinance model in Europe, America and Asia, and through the introduction of Bangladesh microfinance model to the Institute of Rural Development of Chinese Academy of Social Sciences in 1993, a "poverty alleviation economic cooperative" was established. Especially since 2004, the government has launched a series of policies to encourage the development of microcredit. By the end of December 2011, there were 4282 micro-loan companies nationwide, an increase of 1668 from 2614 at the end of 2010, an increase of 644.The balance of loans was 391.5 billion yuan, 194 billion yuan higher than the 197.5 billion yuan in 2010. The growth rate is as high as 98% as the research and analysis point of this paper. By analyzing the problems faced by the development of microfinance in China and the corresponding policy environment, this paper makes an analysis and research on how Yunnan can develop and serve Yunnan with the development of private economy, small and micro enterprises, the construction of agriculture, countryside and farmers, and the development of microfinance. As a backward frontier area, since the implementation of the pilot project in Yunnan in 1992, microfinance has developed rapidly, which has played a great role in the development of rural economy in Yunnan, especially in the shortage of rural financing. Based on the present situation of the development of micro-credit in Yunnan Province and the reasons for its difficulties, this paper compares the domestic and foreign micro-credit development models, and expounds the role of micro-credit in the rural areas of Yunnan on the rural economy of Yunnan. On the basis of the necessary analysis of the problems existing in the implementation of micro-credit in the rural areas of Yunnan Province, the basic ideas for solving the problems are put forward.
【学位授予单位】：云南师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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