淺析農(nóng)村信用社農(nóng)戶小額信貸(已修改)
2025-05-28 06:00 本頁面
【正文】 自考《金融學(xué)》本科畢業(yè)論文淺析農(nóng)村信用社農(nóng)戶小額信貸[摘要] 我國突出的城鄉(xiāng)二元經(jīng)濟(jì)結(jié)構(gòu)，是造成農(nóng)村金融市場“貧血”的根本原因， 而農(nóng)村信用社農(nóng)戶小額信貸是農(nóng)村金融領(lǐng)域的一種制度創(chuàng)新，是破解中國農(nóng)戶 貸款難題的關(guān)鍵，農(nóng)村信用社小額信貸是我國農(nóng)村經(jīng)濟(jì)發(fā)展的重要資金供給渠 道，但是隨著這項(xiàng)工程的進(jìn)行，貸款利率、缺乏監(jiān)管、貸款品種單一、風(fēng)險大等 一些新的問題開始浮現(xiàn)出來并成為阻礙小額信貸進(jìn)一步發(fā)展的障礙。文章針對目 前農(nóng)戶小額信貸的現(xiàn)狀，就其中比較普遍和重要的問題進(jìn)行了分析總結(jié)，并根據(jù) 國外的相關(guān)經(jīng)驗(yàn)和對國內(nèi)相關(guān)政策的理解有的放矢地提出了一系列對策，以便更 好地促進(jìn)農(nóng)村信用社農(nóng)戶小額信貸的健康發(fā)展。[關(guān)鍵詞] 農(nóng)村信用社，農(nóng)戶小額信貸，障礙，對策 Analysis of microcredit in rural credit cooperatives, farmers [Abstract] China39。s prominent urbanrural dual economic structure, is caused by the rural financial market, anemia, the root causes, and rural credit cooperatives, microcredit in rural households of a system innovation in the financial sector, China is to crack the key problem loans to farmers , China39。s rural credit cooperatives, microcredit is an important rural economic development capital supply channel, but as the project progressed, loan rates, lack of supervision, loans to a single species, risks and some new problems began to emerge and bee an obstacle to obstacle to the further development of microfinance. Article for the current status of household micro credit on one of the more mon and important issues were analyzed and summarized, and in accordance with relevant foreign policy experience and understanding of the domestic made a series of targeted measures in order to better promote rural credit cooperatives, farmers and healthy development of microcredit. [Keywords] rural credit cooperatives, small farmers credit, barriers, strategies 目 錄摘要 ............................................................... 前言 ...............................................................1. 我國農(nóng)村信用社發(fā)展農(nóng)戶小額信貸的義……………………………………………… 解決我國農(nóng)村小額信貸矛盾的必要性……………………………………………… 我國農(nóng)村信用社發(fā)展的必要性………………………………………………32. 農(nóng)戶小額信貸發(fā)展中存在的問題……………………………………………………5 利率的不合理……………………………………………………………………5 小額信貸的扶貧性質(zhì)與農(nóng)村信用社商業(yè)化運(yùn)作之間的矛盾…………… 日益擴(kuò)大的信貸資金需求與有限的信貸資金供給之間的矛盾…………………3 .改革農(nóng)村信用社小額信貸的相關(guān)建議……………………………………………… 合理的利率水平……………………………………………………7 構(gòu)建完善的保障制度…………………………………7 加強(qiáng)監(jiān)管………………………
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