健全农村小额信贷的研究以乐至县为例正文.docVIP

健全农村小额信贷的研究——以乐至县为例 摘 要 中国经济发展正处于转型阶段，农村经济发展的成败关系到改革的成败，而农村发展的核心问题在于生产的效率和分配的公平两方面的协调，发展小额信贷可以同时达到这两个目的。农村小额信贷自1993年推出后在农民融资中方面发挥了重要作用，但也存在着一些制约因素。我国广泛实施农村小额信贷这一策略选择，对我国农村乃至整个农业的发展都具有重大的意义。本文以乐至县为例，提出农村信用合作社向当地农民发放贷款过程中存在的问题，并对这些问题提出了解决建议，希望有助于促进乐至县小额信贷在农村的良性发展。本文在分析我国农村小额信贷发展现状的基础上，找出农村小额信贷发展中存在的问题并提出相应的对策。 关键字：农村地区，小额信贷，乐至县 ABSTRACT Chinas economic development is in transition, the success or failure of the rural economic development related to the success or failure of the reform, and the core of the rural development problem is that the efficiency of the production and distribution of the two aspects of the fair, the coordination of the developing small credit can achieve at the same time these two purposes. Rural microcredit since 1993 after the launch in farmers in financing has played an important role, but there is also some restricting factors.The strategy choice that our country extensively implements the rural micro-credit has great significance to development of our rural even the whole agricultural. Taking Lezhi as an example, this paper poses problems that exist in the course of rural credit cooperatives granting loans to local farmers. And based on these problems, the paper makes some suggests of solution, hoping to bring some assistance to development of micro-credit in Lezhi. Based on analysis of the rural microcredit based on the development of the rural micro credit, and find out the problems existing in the development of and put forward the corresponding countermeasures. Key Words: rural area , micro finance,Lezhi目 录 第1章 引言 5 1.1 选题背景 5 1.2 研究目标和意义 5 1.3 研究思路 6 第2章 小额信用贷款概述 7 2.1 小额信用贷款的内涵和特点 7 2.1.1 小额信用贷款的内涵 7 2.1.2 小额信用贷款的特点 7 2.2 小额信用贷款对农村经济的促进作用 8 2.2.1 小额信贷提供了强大的农村金融支持 8 2.2.2 小额信贷是解决农户发展生产的基本条件 8 2.2.3 小额信贷的发放促进了农村产业结构调整 9 2.2.4 小额信贷的发放优化了农村信用环境 9 2.2.5 小额信贷有效地促进了农村信用社自身经营的稳健发展 9 第3章 乐至县农村小额信用贷款的现状分析 10 3.1 农村小额信用贷款的产生与发展 10 3.2 乐至农村小额信用贷款的现状 11 3.2.1 乐至农村小额信用贷款的规模 11 3.2.2 乐至农村小额信用贷款的增长速度 11 3.3 乐至农村小额信用贷款取得的成就 11 3.3.1 农村小额信用贷款增强了贫困农