农村联保款制度研究.docVIP

 2015届本科生毕业设计（论文） 题目： 农村联保贷款制度研究 　　　　　　　　　　　　　　　　　　　　 学 生 姓 名： 陈海南 院 系： 管理学院 专业、班级 ： 110404 学 号 ： 050420110273 指 导 教 师： 崔连祥 完 成 日 期： 2015-03-15 二 0 一五 年 三 月摘 要 农村金融体系是支持“三农”的重要力量，是我国金融体系的重要组成部分。农村联保贷款模式自20世纪80年代引入中国以来，发展快速，目前，农户联保贷款模式已经在农村信用合作社、邮政储蓄以及各类小额信贷机构得到推广。本文借鉴了国内外学者对农村金融的研究成果，将对农村金融体系的重要实践，即小额信贷的实现形式之一——农村联保贷款的可持续发展问题进行系统性的研究：一是分析了我国信贷配给的地区差异，探索农业贷款与农村固定资产投资，农村信贷配给与农村固定资产投资和农村人均纯收入的关系；二是提出了现有金融体系存在的不足：农户的联合与守信不足，贷款违规使用，金融机构片面理解农户联保政策，部分政府机构瞎指挥；三是在如何促进联保贷款可持续发展方面，为政府提出了一些建设性的建议。 关键词：可持续发展；农村金融体系；联保贷款 Farmers LianBao loans the road of sustainable development Abstract The rural financial system, which occupies a significant part of China’s financial system, is an important support force of “Agriculture, Countryside and Farmer”. The development of rural financial system will benefit the government’s agricultural supports policies and stability of rural economy and society. Accelerating reform of rural financial system has been proposed to be regarded as one of the crucial point in the Fifth Plenum of the 17th Central Committee of the Communist Party of China and 2010 Central Economic Work Conference. Capital is one of the key factors of rural economic development, while rural financial system makes contribution to supply of capital. There have been many meaningful discoveries of the issue of rural financial system. The most important practice is GB mode in Bangladesh, and the theory is rural financial system theory. After ten years’ experiment in China, rural credit cooperatives, postal savings and experimental microfinance institutions constitute the support forces. In addition, the informal finance should be given more attention. This paper, which has made use of research results of other scholars, will focus on sustainable development of farmers’ co-guaranteed loans, which are a form of microfinance and a useful practice of rural financial syste