广西壮族自治区兴安县农村小额贷款现状调查(最终版)介绍.doc

目 录 中文摘要 1 Abstract 2 一、引言 3 （一）调查背景 3 （二）研究方法 3 （三）小额贷款的概念 4 二、兴安县农村小额贷款发展现状分析 5 （一）当地农村小额贷款现阶段发展状况 5 1．政府大力支持，业务发展迅速 5 2.贷款经营机制不断完善 6 3．经济效益不断提升 6 4．社会效益开始凸显 6 （二）当地农村小额贷款存在的问题 7 1.政府监管不完善，相关法制不健全 7 2.农民金融消费意识薄弱，部分地区信用环境差 7 3.贷款经营制度相对落后，与农村需求不适应 8 4.贷款难度大，经营风险大 9 5.信贷服务人员缺乏，素质普遍偏低 9 三、相关解决对策 10 （一）加强监管力度，制定并完善相关法规制度 10 （二）加强农村金融宣传，提高农民信用意识 10 （三）完善经营制度,进一步发展业务 10 （四）建立完善的风险机制，加强控制经营风险 11 （五）加强人员培训，提高服务质量 11 四、结束语 11 参考文献 12 致 谢 13  广西壮族自治区兴安县农村小额贷款现状调查分析 中文摘要 我国作为农业大国，“三农”问题一直是政府和社会重点关注的问题，如何增加农民的收入是解决“三农”问题的核心。本文通过对广西壮族自治区兴安县农村小额贷款基本现状的调查分析，发现随着兴安县经济的快速发展，农村小额贷款业务的迅猛发展为兴安县农民创业创收提供了更加方便的融资渠道，对农村经济的发展起到了重要作用。但是在其发展过程中仍存在诸多问题，如政府监管不完善，贷款经营制度相对落后、资金来源单一，融资存在困难，信贷服务人员缺乏、素质普遍低，经营风险大等问题。这些问题能否妥善解决，将直接关系到兴安县农村小额信贷能否持续发展。因此，本文在此基础上进行分析并提出了相关解决建议，旨在为更加合理地发展当地农村金融提供参考。 [关键词]农村小额贷款；发展现状；问题；可持续发展 Investigating and Analysis the Present Situation of Countryside Small Loan in Xingan，Guangxi Zhuang Autonomous Region Abstract As an agricultural country, three rural issue has been focused on issues of concern to the Government and society, how to increase farmers income is to solve three agriculture the crux of the problem. Through analysis on present situation of rural microcredit in Xingan County of Guangxi Autonomous Region, found with Xingan Countys rapid economic development, the rapid development of rural micro-credit business Xingan County farmers entrepreneurial income provides more convenient channel of financing, played an important role in rural economic development. But there are still many problems in its development process, as government regulation is not perfect, poor loan management system, sources to a single, financing difficulties, lack of credit services, low quality, operational risk issues and so on. These problems can be properly addressed, will be directly related to Xingan County sustainability of rural microfinance development. Therefore, this article on the basis of an analysis and make recommendations for resolution, designed to provide better loca