本科学年论文(范文)..doc

2006届学生学年论文（设计） 学 年 论 文 (英文) On he Marketization of Interest Rates on Micro-credit in Rural Credit Cooperatives Supply and Demand Gap Inquiry 学 院 专 业 名 学 号 孔鹏举 　 2008年 6 月 19 日 试述利率市场化对农村信用社小额信贷供求缺口的探究 摘 要：本文目的是从利率市场化的视角对农村信用社小额信贷中出现的供求缺口问题进行探讨。在利率管制下的超额需求，滋长了正规金融机构的信贷抵押需求力量，而无需提供抵押品的小额信贷发展并未充分满足农户合理的信贷需求。同时，随着农信社小额信贷的金融服务模式逐渐迈向市场机制的制度安排大大提高了农信社的经营成本，进而压缩合作制农信社的地域范围与信贷规模成为了一个暂优选择，但它能否帮助贫困地区真正解决资金缺乏的障碍，关键是能否在市场化的脚步下制定合理的补偿成本的利率，真正实现促进农村信贷有效地发展。 关键词： 农村信用社 小额信贷 利率市场化 信贷供求缺口 On the marketization of interest rates on micro-credit in rural credit cooperatives supply and demand gap Inquiry Abstract: The purpose of this article is from the perspective of market-oriented interest rates on micro-credit in rural credit cooperatives in the supply and demand gap on the issue. In the interest rate under the control of the excess demand, the growth of the informal financial institutions, the credit strength of mortgage demand, without the need to provide collateral for the development of microcredit does not fully meet the credit needs of farmers and reasonable. At the same time, rural credit cooperatives as micro-credit model of the financial services market mechanisms gradually move towards a system has significantly increased the operating costs of rural credit cooperatives, rural credit cooperatives further compression cooperative system of geographical scope and scale of credit as a temporary gifted Choice, but it can really solve the poverty-stricken areas to help fund the lack of obstacles, the key is whether the market in the footsteps of developed and reasonable compensation in the rate of cost, real promotion of effective development of rural credit Key words: Rural Credit Cooperatives Microcredit Market-oriented interest rate Credit supply and demand gap 一、引 言 我国作为一个农业大国，农村金融是中国的基础环节和重要支点，中国金融的发达及其功能的发挥与农村金融的发展水平息息相关。农村信用社作为我国农村金融体系的重要组成部分，在