农户小额贷款可获得性的影响因素.要点.doc

我国农户小额贷款现状分析及对策 目录 1.农户小额贷款的运作机理 4 1.1农户小额贷款的概念和特点 4 1.2农户金融需求与供给之间的矛盾 5 1.3农户小额贷款的现实意义 5 1.4我国农户小额贷款的实践状况 6 2.农户小额贷款面临的风险 7 2.1信用风险 7 2.2市场风险 8 2.3自然风险 8 3、农户小额贷款的风险及对策 8 3、1信用风险对策 9 3.1.1、改变农业户主以往对信用不看重的现象 9 3.1.2、提高农户与农户之间的合作水平 9 3、2市场风险对策 10 3.2.1、根据市场建立科学的利率定价机制，提取准备金 10 3.2.2、拓宽农户金融服务内涵，增强抵御风险的能力 10 3.3自然风险的对策 10 4、促进我国农户小额贷款建议 11 4、1政府对农户小额贷款支持 11 4.1.1、财政对农户小额信贷业务给予补偿 11 4.1.2、建立农户征信管理体系,优化小额信贷的信用环境 11 4、2扩大农户小额贷款供给渠道 12 4.2.1、调整农信社经营思路,完善农户小额信贷运作模式 12 4.2.2、多方协作,推进农户小额信贷健康稳健发展 13 结论 15 参考文献 16 致谢 17 摘要 农户小额信用贷款在目前我国的社会主义新农村建设和发展中具有重要的作用。首先,农户小额信用贷款可以为农业和农村经济的发展提供一些信贷资金,增加了农民的就业机会,促进了农业的发展和农村的金融改革和金融创新；其次,农户小额信用贷款在一定程度上缓解了农民贷款难和信用社难贷款的问题,实现了农户和农村金融机构双赢,使农民的社会地位显著提高；同时通过大力发展农户小额信用贷款,树立了农村金融机构在农村金融市场的主导地位,农村信用环境也得到了显著改善。地方政府行为不规范,经济环境不理想,影响农户小额信用贷款的回收率,存在着参与和干预的矛盾;政府服务不完善,导致农村经济发展速度趋缓,影响农户小额信用贷款效能的发挥；政府制定的扶持政策不到位,导致农村金融机构放贷积极性不高,影响农户小额信用贷款的支农后劲，作为农户小额信用贷款的直接受益者,农户同样存在着信用观念不牢固、思想认识不到位等诸多方面的问题。 关键词：农户小额贷款，农业发展，风险控制 Abstract The parent’s small credit. loans in Chinas construction of socialist new rural construction plays an important role. First of all, farmers small credit loans for agriculture and rural economic development to provide credit funds, increases the farmers employment opportunity, promote the rural financial reform and financial innovation; Second, the small farmers credit loan effectively relieve the farmers difficulty in getting loans and credit cooperatives difficult loan problem and realize the win-win farmers and rural credit cooperatives, rural womens social status increased significantly; At the same time by devoting major efforts to developing small farmers credit loans, set up the rural credit cooperatives in rural financial market dominant position, rural credit environment also significantly improved. The local government behavior is not standard, the economic environment is not ideal, the influence of the small farmers credit loan recovery, there is the contradiction of participation and intervention; The government service is not perfe