金融專(zhuān)業(yè)畢業(yè)論文


摘  要
【摘要】：隨著社會(huì)的發(fā)展，經(jīng)濟(jì)的進(jìn)步，中國(guó)經(jīng)濟(jì)不斷呈現(xiàn)出多樣化的趨勢(shì)。在探索經(jīng)濟(jì)發(fā)展的道路上，不斷出現(xiàn)經(jīng)濟(jì)的多元化，其中微型金融就是在傳統(tǒng)正規(guī)金融體系外發(fā)展起來(lái)的新型經(jīng)濟(jì)，它為貧困人群和小企業(yè)提供金融服務(wù)和金融產(chǎn)品，它填補(bǔ)了傳統(tǒng)金融機(jī)構(gòu)在金融體系中的空白，同時(shí)也為我國(guó)經(jīng)濟(jì)的發(fā)展提供了原動(dòng)力。微型金融以扶貧為宗旨，最主要的業(yè)務(wù)內(nèi)容是發(fā)放微型信貸和吸收存款，尤其是向非常貧窮的家庭及微型企業(yè)提供非常少量的貸款幫助他們進(jìn)行生產(chǎn)性活動(dòng)或小本經(jīng)營(yíng)。本文將從微型金融的發(fā)展和運(yùn)作模式等方面，分析我國(guó)微型金融存在的問(wèn)題和發(fā)展的前景，進(jìn)而提出我國(guó)更好的發(fā)展微型金融事業(yè)的對(duì)策。

【關(guān)鍵詞】：微型金融 小額信貸 運(yùn)作模式 發(fā)展

Abstract
With the development of social and economic progress, China's economy shows a trend of diversification. In the process of exploring the economic development, there emerge many economic diversifications. Among them, micro-economic development, which is the result of the new economy based on the traditional formal financial system to provide financial services and financial products for poor people and small businesses, and it filled the traditional financial blank institutions in the financial system. At the same time, it provides driving force for China's economic development. Microfinance aims to alleviate poverty. The main business is to deliver micro-credit and deposits and to provide the very poor families and micro-enterprise small amount of loans to help them carry out productive activities or small businesses. This article mainly analysis China's micro-finance problems and development from the prospective of the mode of operation of the micro-finance, supply and demand. Thus we can put forward better countermeasures to the development of micro financial services industry.

【Key words】: micro-finance  microcredit  mode of operation  development

目錄
摘  要 I
Abstract II
1引言 1
1.1研究的目的及意義 1
1.1.1研究目的 1
1.1.2研究微型金融的現(xiàn)實(shí)意義 1
1.2文獻(xiàn)綜述 2
1.2.1國(guó)外研究現(xiàn)狀 2
1.2.2國(guó)內(nèi)研究現(xiàn)狀 2
1.3研究方法以及可行性 2
1.3.1本文采取的研究方法 3
1.3.2微型金融研究的可行性 4
2微型金融概述 5
2.1微型金融的含義及特點(diǎn) 5
2.2微型金融的組織模式 6
2.2.1國(guó)外微型金融的組織模式 6
2.2.2中國(guó)微型金融的組織模式 7
2.2.3國(guó)外微型金融的典型模式——格萊珉銀行模式 7
2.2.4中國(guó)微型金融的成功模式——以包商銀行為例 10
2.2.5格萊珉模式對(duì)我國(guó)發(fā)展微型金融的借鑒 13
3中國(guó)微型金融的發(fā)展現(xiàn)狀及發(fā)展趨勢(shì) 15
3.1中國(guó)微型金融的發(fā)展現(xiàn)狀 15
3.2中國(guó)微型金融的發(fā)展趨勢(shì) 17
3.2.1商業(yè)化經(jīng)營(yíng)趨勢(shì) 17
3.2.2提供微型金融服務(wù)的機(jī)構(gòu)日趨多樣化 17
3.2.3微型金融機(jī)構(gòu)的經(jīng)營(yíng)范圍漸趨多元化 17
4微型金融在中國(guó)的發(fā)展過(guò)程中所面臨的問(wèn)題 18
4.1小額貸款需求旺盛，資金補(bǔ)充不足 18
4.2技術(shù)落后，金融產(chǎn)品缺乏多樣性 18
4.3監(jiān)管缺位，部分借貸行為不規(guī)范，信用體系不健全 18
4.4微型金融機(jī)構(gòu)的風(fēng)險(xiǎn)控制問(wèn)題 19
5中國(guó)微型金融的發(fā)展對(duì)策分析 20
5.1建立多元化融資渠道，補(bǔ)充后續(xù)資金來(lái)源 20
5.2培養(yǎng)專(zhuān)業(yè)人才，加強(qiáng)微型金融產(chǎn)品的創(chuàng)新 20
5.3建立健全完善的監(jiān)管體制 21
5.4加強(qiáng)內(nèi)部監(jiān)管，防范風(fēng)險(xiǎn) 21
6總結(jié) 22
參考文獻(xiàn) 23
致謝 25