农村信用社农户小额贷存在问题及对策.docVIP

本 科 毕 业 论 文  摘要 农村信用社农户小额信贷是农村金融的一种创新，(镇)工作，取得了的果，还存在着一些问题 关键词：农村信用社,小额贷款,金融服务，信用村，对策 Abstract Rural credit cooperatives farmers microcredit is a kind of system innovation of rural financial field, is the key to crack the Chinese peasant household loans problem, is one of the important capital supply channels for rural economic development. Rural credit cooperatives as the mainstay of rural financial reforms to promote small loans, to the agricultural structure adjustment, increasing farmers income, improving rural credit environment and the development of the local economy plays an important role. Only the rural credit cooperatives take positive and effective measures to increase credit input to the farmers, utility and effective play to loans, can really improve and improve rural financial services, to support the development of rural economy. Rural credit cooperatives farmers microcredit loans, open to create the credit village (town) work, good results have been achieved, but some problems still exist, such as: the risk in the loan, loan interest rates, credit strength is weak, the management way of defects, etc. In this paper, the analysis of these problems, on the present situation of peasant household microfinance, which is common and important problem is analyzed and summarized, and according to the understanding of the domestic policy put forward a series of countermeasures, so as to make the rural credit cooperatives small loans for better and more healthy development. Keywords：Rural credit cooperatives, small loans, financial services, credit village, countermeasures目录 摘要 I 关键词：农村信用社,小额贷款,金融服务，信用村，对策 I Abstract II 1.绪论 1 1.1课题背景 1 2.我国农村信用社农户小额贷款发展的现状 2 3.我国农村信用社农户小额贷款存在的问题及分析 2 3.1贷款的安全性与农业生产的风险性相 2 3.2信用担保方式和保障资金安全非常困难 3 3.3农民认识上的偏差，使农户小额信用贷款的道德风险更为 3 3.4小而分散的经营模式存在缺 3 3.5操作方式，信贷队伍力量弱 4 3.5.1．贷款目标群体选择缺陷 4 3.5.2农村信用社管理农户小额信用贷款力量较弱 4 3.6在农户中推广小额贷款缺少一定的动力 4 4.对策 5 4.1丰富农户信息资源，建立农户信用 5 4.2有效发挥农村基层党支部村委会的，推进信用村(镇)建设 6 4.3不断丰富完善农户小额信用贷款的方式 6 4.3.1确