小额信贷业务发展的现状 毕业论文.docVIP

摘要小额信贷不仅仅是一种金融服务的创新,更是一个重要的扶贫方式。随着国家金融改革的深入,1999年以来农村地区的小额信用贷款在中国人民银行在大力推进下,取得很好的成绩。本文通过对银行小额信贷业务发展的现状,深入剖析了银行自身特点以及目前所面临的市场环境；在借鉴外国金融机构发展模式的分析的结论下,借助商业银行市场定位以及竞争环境分析等理论研究成果对银行小额信贷产品中出现的问题以及问题产生的原因进行粗浅的剖析,并对其发展的对策进行探讨。从银行自身实际出发,分析该从事小额信贷的优势以及所受到内外环境的影响,提出小额信贷是自身发展和农村金融市场发展的必然趋势。本文不足之处在于由于掌握的资料有限,部分专业理论,同业数据难以收集,因此在实证分析感觉不太充分,今后需要进一步加强【关键词】银行小额信贷Abstract Microfinance is more than a financial service innovation, is a important way of poverty alleviation. Along with the national financial reform deeply, since 1999 the rural areas of microcredit loans in the peoples bank of China to promote in the next, and get a good result. This article through to the agriculture bank five dalian ChiLong town a small local branch the present situation of the development of small credit business, this paper explores the agricultural bank five dalian ChiLong town a small local branch of its own characteristics and faced with the market environment; In reference to foreign financial institutions development pattern analysis that, with the aid of commercial bank market position and competitive environment analysis theory researches on the agriculture bank microfinance product problems in question and the causes for the occurrence of the elementary analysis, and its developing countermeasures are discussed. This article mainly from the agriculture bank five dalian ChiLong town a small local branch reality itself, and analysis the engaged in a small local branch and advantage of microfinance by the influence of the external and internal environment, this paper puts forward agricultural bank microcredit is their own development and the five dalian city pool rural financial market the inevitable trend of development. This paper is due to insufficient in the material master limited, part of the professional theory, trade data is difficult to collect, so in the empirical analysis dont feel fully, needs further in the future. 【 key words 】 agricultural bank five dalian ChiLong town a small loc