内蒙古农村小额信贷现状及发展对策研究 毕业论文.doc

内蒙古农村小额信贷现状及发展对策研究 摘 要 随着农村经济的不断发展，内蒙古农村金融改革的滞后性问题日益突出。农业银行出于战略调整的需要正在逐渐淡出农村金融市场；农村信用合作社由于体制和管理等方面的种种原因，难以满足农村经济发展对信贷资金日益膨胀的需求，而且业务经营的商业化倾向日益突出，信贷资金的非农化倾向日趋严重，农村资金严重流失更是加剧农村金融市场信贷资金的供求矛盾。阻碍农村经济的发展，影响农民生活水平的提高。小额信贷作为农村金融创新的产物，是加大对农村资金投入力度、解决农民融资难问题的有效手段。农村小额信贷作为金融创新的成果，其发展过程遵循金融创新的阶段性规律，即农村小额信贷在内蒙古经历了非政府组织引入、农业银行与政府扶贫部门模仿、农村信用社推广以及国家政策推动组建民间商业性小额信贷公司、村镇银行、小额贷款公司以及农村社区信用合作组织四个个阶段。政府职能的定位问题、资金来源问题、利率问题、风险机制问题、信用环境问题等是制约农村小额信贷在内蒙古顺利发展和农村金融创新的关键因素。新时期，要以农村小额信贷的发展为契机推进我区农村金融创新，从放松对农村金融市场的管制、转变政府职能、完善相应法律法规等方面入手，大力发展商业性农村小额信贷，培育多元化的竞争有序的农村金融市场。 关键词：小额信贷；问题；对策 Abstract With the continuous development of the rural economy, rural financial reform, Inner Mongolia, the lag issues have become more prominent. Agricultural Bank of the need for strategic adjustment of the rural financial market is being phased out; Rural Credit Cooperative system and management, because of various reasons, difficult to meet the rural economic development funds for the expanding credit needs, and business tend to become increasingly prominent commercial , the tendency of non-agricultural credit funds growing, serious loss of capital in rural areas is exacerbated by the rural financial market credit funds of supply and demand. Hinder the development of rural economy, the farmers living standards. Microfinance as a product of financial innovation in rural areas is to increase rural capital investment, to solve the problem of financing the farmers an effective means. Rural micro-credit as a result of financial innovation, financial innovation of its development process follows the laws of the stage, that of rural micro-credit in China has experienced the introduction of non-governmental organizations, agricultural banks and government departments to imitate poor, rural credit cooperatives and the national policy to promote promote the formation of private commercial microfinance companies, rural banks, small loan companies and credit cooperative organizations in rural communities four stages. The posi