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摘 要

隨著農(nóng)村經(jīng)濟(jì)的不斷發(fā)展，農(nóng)民的資金融通問題是當(dāng)前工業(yè)化和城市化進(jìn)程中凸顯出來的社會焦點(diǎn)問題。小額信貸作為一種新型的資金融通方式，已經(jīng)引起了全世界的廣泛關(guān)注，正在逐漸得到重視和推廣。然而，我國小額信貸的發(fā)展?fàn)顩r仍然難以滿足農(nóng)村經(jīng)濟(jì)發(fā)展的要求，小額信貸的發(fā)展問題已經(jīng)是擺在我們面前的一個(gè)迫切需要解決的課題。本文以xx農(nóng)村合作銀行小額信貸業(yè)務(wù)為研究范例，首先闡述了農(nóng)村小額貸款的背景及相關(guān)理論知識，然后重點(diǎn)論述了xx農(nóng)村合作銀行小額信貸存在的主要問題，并提出合適的、可實(shí)行的對策。
關(guān)鍵詞 農(nóng)村 合作銀行 小額信貸
Abstract

Along with continuous economic development in rural areas, farmers financial intermediation problem is the current process of industrialization and urbanization prominent social focal point. Microcredit as a new fund circulation, has caused widespread concern around the world are increasingly receive attention and promotion. However,the development of small credit conditions remain difficult to meet the requirements of rural economic development,micro-credit development is already before us an urgent need to address the issue.cocccccmiFujian Nanan this small rural credit cooperative banks for the study sample, first described the background of rural microfinance and relevant theoretical knowledge, and then focuses on the rural cooperative banks in Fujian Nanan main problems in micro-credit, and make appropriate can be implemented countermeasures.
Key words Rural Cooperative Bank Micro-credit
目 錄

摘 要 I
Abstract II
第1章 緒論 1
1.1公司簡介 1
1.2 研究現(xiàn)狀 1
1.2.1 國外研究現(xiàn)狀 1
1.2.2 國內(nèi)研究現(xiàn)狀 2
1.3 研究目的、意義及方法 3
1.3.1 研究目的 3
1.3.2 研究意義 3
1.3.3 研究方法 4
第2章 農(nóng)村小額信貸的相關(guān)理論 5
2.1 農(nóng)村小額信貸概念 5
2.1.1 農(nóng)村小額信貸的定義 5
2.1.2 農(nóng)村小額信貸的特征 5
2.1.3 我國農(nóng)村小額信貸的發(fā)展歷程 6
2.2 農(nóng)村小額信貸的理論基礎(chǔ) 7
2.2.1 金融抑制論和金融深化論 7
2.2.2 傳統(tǒng)農(nóng)業(yè)融資理論 8
2.2.3 農(nóng)村金融市場理論 8
2.3 xx農(nóng)村合作銀行小額信貸的發(fā)展現(xiàn)狀及趨勢 9
2.3.1 xx農(nóng)村合作銀行小額信貸的發(fā)展現(xiàn)狀 9
2.3.2 xx農(nóng)村合作銀行小額信貸的發(fā)展趨勢 10
第3章 xx農(nóng)村合作銀行小額信貸存在問題 11
3.1 產(chǎn)權(quán)不明晰下的“半官辦”式經(jīng)營 11
3.2 信貸供給與需求不匹配 12
3.3 低利率政策打壓南安合行的放貸積極性 13
3.4 農(nóng)村信用環(huán)境欠佳 14
3.5 管理技術(shù)水平低下 16
3.6 保障機(jī)制不健全 17
第4章 健全xx農(nóng)村合作銀行小額信貸對策 18
4.1 重新定位政府職責(zé) 18
4.2 健全法人治理結(jié)構(gòu) 18
4.3 建立分期還款制度 20
4.4 創(chuàng)新金融產(chǎn)品與服務(wù) 21
4.5 強(qiáng)化農(nóng)戶信用評定機(jī)制 22
4.6 加強(qiáng)農(nóng)民的金融意識和信用觀念 24
4.7 規(guī)范貸款程序 24
4.8 加大不良貸款追償力度 27
4.9 建立健全風(fēng)險(xiǎn)保障機(jī)制 28
結(jié) 論 30
致 謝 31
參 考 文 獻(xiàn) 32
CONTENTS

Chapter1 Introduction……………………………………………………1
1.1 Introduction …………………………………………………………1
1.2 Research ………………………………………………………………1
1.2.1 Overseas Research ……………………………………………1
1.2.2 Domestic Research ……………………………………………2
1.3 The thesis purpose, meaning and method ………………………3
1.3.1 Research Objective ……………………………………………3
1.3.2 Research Significance ………………………………………3
1.3.3 Research Methods ………………………………………………4
Chapter2 The theory of rural micro-credit…………………………5
2.1 The concept of rural micro-credit ……………………………5
2.1.1 Definition of rural micro-credit …………………………5
2.1.2 Characteristics of rural micro-credit……………………5
2.1.3 Development of China's rural micro-credit………………6
2.2 The theoretical basis of micro-credit in rural areas ……7
2.2.1 On financial repression and financial deepening ……7
2.2.2 traditional agricultural finance theory ………………8
2.2.3 Rural Financial Market Theory‥……………………………8
2.3 The rural cooperative banks in Fujian Nanan Microfinance Development Status and Trends……‥……………………………………9
2.3.1 Fujian Nanan rural cooperative banks in the Development of Microfinance ………………………………‥………………………………9
2.3.2 Fujian Nanan rural cooperative development trend of micro-credit banks …………………………‥……………………………10
Chapter 3 Rural cooperative banks in Fujian Nanan problem of micro-credit………………………………………………‥………………11
3.1 The property is not clear under the "semi-government-run" type of operation ………………………………………‥………………………11
3.2 Credit supply and demand does not match the ………………12
3.3 low interest rate policy to suppress Nam cooperation lending initiative ………..