六安市农村信用社小额信贷发展的思考

发布时间：2018-04-23 15:30

本文选题：农村信用社 + 小额信贷　；参考：《安徽财经大学》2014年硕士论文

【摘要】：在我国农村地区,贫困群体需要金融机构的资金支持,然而由于信贷成本、市场定位等原因,一些金融机构并不能满足这些农户对金融服务的需要。而小额信贷是一项专门为低收入农户和贫困农户服务的创新产品,正是由于这种特征,使得小额信贷必然的与贫困联系在一起。在政策的要求和市场的需求双重刺激下,小额信贷越来越受到欢迎,引起了众多的关注。六安农村地区贫困农户分布集中且广泛,正是由于这种贫困,这些农户根本不具备担保能力,从而无法从金融机构中取得贷款。随着国有商业银行逐步从县域经济以下的撤退,六安市农村信用合作社成为当地分支机构最多的农村正规金融机构和金融市场主要的金融机构。六安市农信社的小额信贷业务不仅解决了农户的贷款的难题,而且减轻了政府的负担。所以在六安市,农信社的小额信贷业务受到了包括当地各级政府的欢迎。鉴于这种现状,本文通过对六安市农村信用社的调查研究,主要是从以下三方面展开：一、农信社小额信贷在六安农村金融市场中的地位；二、六安市农村信用社小额信贷的运行模式；三、六安市农村信用社小额信贷的效率分析。从上述三个方面分析农村信用社在发展小额信贷业务的时候出现的问题,得到了如下原因：第一,六安市农村信用社历史遗留问题过多；第二,六安市农村信用社对小额信贷的认识存在偏差；第三,六安地区农户的经营意识和经营能力普遍较差；第四,六安市农村信用社信贷客户经理素质偏低。从这些问题中,得到一些有利于六安市农村信用社小额信贷可持续发展的建议：第一,规范农户小额信贷管理；第二,加强农村信用社与担保公司的合作；第三,完善农村信用体系建设；第四,转变观念,提高信贷人员素质。借此提升六安市农村信用社的市场竞争力。
[Abstract]:In the rural areas of China, the poor groups need the financial support of financial institutions. However, due to the cost of credit, market positioning and other reasons, some financial institutions can not meet the needs of these farmers for financial services. Microfinance is a special service for low-income farmers and poor farmers of the innovative product, it is precisely because of this feature, make microfinance inevitably linked to poverty. Under the dual stimulation of policy requirements and market demand, microcredit has become more and more popular and attracted a lot of attention. The poor farmers in Luan rural areas are concentrated and widely distributed. It is precisely because of this kind of poverty that these farmers do not have the ability to guarantee, so they can not obtain loans from financial institutions. With the gradual withdrawal of state-owned commercial banks from the county economy, the rural credit cooperatives of Lu'an City have become the rural formal financial institutions with the largest number of local branches and the main financial institutions in the financial market. The microfinance business of Lu'an Rural Credit Cooperative not only solves the problem of farmers' loan, but also lightens the burden on the government. So in Lu'an, the micro-credit business of RCCs has been welcomed by local governments at all levels. In view of this situation, through the investigation and research of the rural credit cooperatives in Lu'an, this paper mainly starts from the following three aspects: first, the status of micro-credit in the rural financial market of Lu'an; second, Third, the efficiency analysis of the micro-credit of the rural credit cooperatives in Lu'an. From the above three aspects of rural credit cooperatives in the development of micro-credit business problems, obtained the following reasons: first, Luan City rural credit cooperatives history left too many problems; second, There are deviations in the understanding of micro-credit in the rural credit cooperatives of Lu'an. Thirdly, the management consciousness and management ability of farmers in Luan are generally poor; fourth, the quality of credit account managers of rural credit cooperatives in Lu'an is on the low side. From these problems, we get some suggestions for the sustainable development of micro-credit of rural credit cooperatives in Lu'an: first, to regulate the management of micro-credit among farmers; second, to strengthen the cooperation between rural credit cooperatives and guarantee companies; third, to strengthen the cooperation between rural credit cooperatives and guarantee companies; third, Improve the construction of rural credit system; fourth, change ideas, improve the quality of credit personnel. In order to enhance the market competitiveness of rural credit cooperatives in Lu'an City.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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