基于社会资本河南省农信社小额信贷研究.docVIP

题 目: 基于社会资本的河南省农信社小额信贷研究 院系名称： 专业班级： 学生姓名： 学 号： 指导教师： 教师职称： 摘 要 小额信贷的成果之处不仅在于其信贷运作模式，而且更多的在于利用社会资本发挥了有效降低信贷风险、保证其自身可持续发展的作用。本文依照普特南关于社会资本的概念，分析“信任、规范、网络”等社会资本要素在促进小额信贷有效运作方面的作用，并在此基础上，从社会资本的视角下剖析河南省农信社小额信贷的运作情况 本文由四部分组成：第一部分介绍了本文的选题背景、研究目的和意义、研究内容和方法以及文献综述。第二部分着重讲的是社会资本和小额信贷的关系。第三部分是分析社会资本对小额信贷运作效率的促进作用。第四部分是研究河南省农信社小额信贷运作情况。 本文的研究表明：社会资本在小额信贷有效运作当中的作用主要体现在克服信息不对称，降低贷款机构的信息搜寻与监管成本，降低借款者的贷款获得成本上。 关键词：社会资本 小额信贷 信任 规范 网络 Title Based on social capital Henan Province Abstract Not only the jot credits place of achievement lies in its credit operation pattern, moreover more lying in displayed using the social capital reduced the credit risk, to guarantee its own sustainable development effectively the function. This article according to Putnam about social capitals concept, the analysis “the trust, the standard, the network” and so on social capital essential factors in the promotion jot credit effective operation aspects function, and based on this, analyzes the Henan Province agriculture letter society jot credit from under social capitals angle of view the operation situation This article is composed of five parts: The first part introduced this article selected topic background, the research goal and the significance, the research content and the method as well as the literature summary. What the second part says emphatically is the social capital and the jot credit relations. The third part is analyzes the social capital to the jot credit operation efficiency promoter action. The fourth part studies the Henan Province This article research indicated: The social capital mainly manifests middle the jot credit effective operations function in overcomes the information not to be asymmetrical, reduces the lending institute the information search and the supervision cost, reduces borrowers loan to obtain in the cost. Keywords：Social capital Jot credit Trust Stan