浅议李景瑶学年论文.docVIP

　　浅议李景瑶学年论文 浅议李景瑶学年论文 导读：李景瑶学年论文摘要 农村信用社的小额信贷在解决农民贷款难、增加农民收入及缓解贫困优化农村金融结构等方面发挥着不可替代的作用。但目前，小额信贷的发展状况仍然难以满足社会经济发展的要求，存在不少问题。文章通过研究农村信用社所处的客观环境和自身状况，当前所面临的机遇与挑战,以及其所具有的优势和不足,探索农村信用社进一步发展和改革的方向和路径,并提出合理性建议,以期能促进农村信用社更好更快地发展。 关键词： 小额信贷 农村信用社 新农村建设 Abstract The microfinance of Rural Credit Cooperative (RCC) plays an irreplaceable role in resolving peasants’ difficulty in getting loans, increasing rural ine, alleviating poverty, and optimizing rural financial structure. Currently, hoent of microfinance has revealed many problems, eet the requirements of social and economic development. By studying the objective environment of RCC and its current situation, the present opportunities and challenges, and its o, and provides some reasonable suggestion, in order to promote the better and faster development of RCC. Key icro-credit rural credit cooperatives new rural construction 目 录 前言???????????????????????????2 一、???????????????????????????2 （一）?????????????????????????2 （二）?????????????????????????2 2.1 ????????????????????????? 2 2.2 ?????????????????????????3 （三）?? 3 4 5 6 7 浅议李景瑶学年论文 导读：李景瑶学年论文???????????????????????3 （四）?????????????????????????3 二、???????????????????????????4 （一）?????????????????????????4 1.1 ????????????????????????? 4 1.2 ?????????????????????????4 1.3 ?????????????????????????4 1.4 ?????????????????????????4 （二）?????????????????????????5 （三）?????????????????????????5 （四）?????????????????????????5 （五）?????????????????????????5 5.1 ????????????????????????? 5 5.2 ?????????????????????????5 （六）?????????????????????????6 6.1 ????????????????????????? 6 （七）?????????????????????????6 7.1????????????????????????? 6 7.2?????????????????????????6 7.3 ????????????????????????? 6 三、???????????????????????????7 浅议李景瑶学年论文 导读：李景瑶学年论文富“、“抓小放大”。农户 收支账目和经济活动的实际情况难以掌握，对农户信用评级实际操作相对困难，由于贫困弱势农户基本都是从事传统的、单一的种植业生产，经济基础薄弱，致富技能相对缺乏，特别是一些贫困户和老弱病残户以及缺少被评为信用户的硬件的农户，更难以得到信贷支持，导致能得到小额信用贷款的农户有限。 （二）小额信贷收益与风险不对称 2.1 农村信用社小额信贷自然风险大 农村信用社小额信贷是为贫困农村人口提供持续