金融学本科自考毕业论文-浅析农村信用社农户小额信贷.doc

自考《金融学》本科毕业论文 浅析农村信用社农户小额信贷 指导教师：××× 职称：×× 学生姓名：××× 学 院：经济学院 系：金融系 准考证号：×××××××× 联系电话：××××××× 通讯地址：×××××× 邮政编码：×××××× 2013年06月18日  浅析农村信用社农户小额信贷 [摘要] 我国突出的城乡二元经济结构，是造成农村金融市场“贫血”的根本原因， 而农村信用社农户小额信贷是农村金融领域的一种制度创新，是破解中国农户 贷款难题的关键，农村信用社小额信贷是我国农村经济发展的重要资金供给渠 道，但是随着这项工程的进行，贷款利率、缺乏监管、贷款品种单一、风险大等 一些新的问题开始浮现出来并成为阻碍小额信贷进一步发展的障碍。文章针对目 前农户小额信贷的现状，就其中比较普遍和重要的问题进行了分析总结，并根据 国外的相关经验和对国内相关政策的理解有的放矢地提出了一系列对策，以便更 好地促进农村信用社农户小额信贷的健康发展。 [关键词] 农村信用社，农户小额信贷，障碍，对策  Analysis of micro-credit in rural credit cooperatives, farmers  [Abstract] Chinas prominent urban-rural dual economic structure, is caused by the rural financial market, anemia, the root causes, and rural credit cooperatives, micro-credit in rural households of a system innovation in the financial sector, China is to crack the key problem loans to farmers , Chinas rural credit cooperatives, micro-credit 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 become an obstacle to obstacle to the further development of microfinance. Article for the current status of household micro credit on one of the more common 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 micro-credit. [Keywords] rural credit cooperatives, small farmers credit, barriers, strategies  目 录 摘要 ............................................................... 前言 ............................................................... 1. 我国农村信用社发展农户小额信贷的义……………………………………………… 1.1 解决我国农村小额信贷矛盾的必要性……………………………………………… 1.2 我国农村信用社发展的必要性………………………………………………3 2. 农户小额信贷发展中存在的问题……………………………………………………5 2.1 利率的不合理……………………………………………………………………5 2.2 小额信贷的扶贫性质与农村信用社商业化运作之间的矛盾…………… 2.3 日益扩大的信贷资金需求与有限的信贷资金供给之间的