小额信贷毕业论文.docVIP

班级：09体教1班 姓名： 翁玉龙 学号： 2012年4月29日 试论小额信贷在我国的可持续发展 目 录 中文摘要及关键词…………………………………………………………………3 英文摘要及关键词…………………………………………………………………3 一、定义……………………………………………………………………………4 二、小额信贷与高利贷的区别……………………………………………………5 发放者……………………………………………………………………5 作用对象及作用方式……………………………………………………5 利率………………………………………………………………………5 担保方式…………………………………………………………………5 三、小额信贷在我国的发展状况及问题……………………………………………5 办理对象…………………………………………………………………6 保障机制…………………………………………………………………6 运作成本…………………………………………………………………6 体制问题…………………………………………………………………6 四、小额信贷的发展前景……………………………………………………………6 五、小额信贷可持续发展的对策与建议明确落实对小额贷款公司的监管有效发挥加强信贷风险控制拓宽小额贷款公司的融资渠道从国际流行观点定义，小额信贷指向低收入群体和微型企业提供的额度较小的持续信贷服务，其基本特征是额度较小、无担保、无抵押、服务于贫困人口。小额信贷可由正规金融机构及专门的小额信贷机构或组织提供。小额信贷组织按照业务经营的特点，分两类：商业性和福利性，也称制度主义和福利主义中小企业贷款不是小额信贷。尽管我国小额信贷的产生比较早，但是在小额信贷的运行过程中出现了许多具有本国特点的问题，从而造成大量商业银行退出小额担保贷款机制，小额贷款公司应明确自身的性质，自身的运作模式。同时，政府应调整关于小额信贷机构政策，以促进小额贷款公司的可持续发展。小额贷款通过改善低收人人群的经济状况，可以大幅度地增加社会整体上的有效需求，促进社会投资生产和国民经济发展Abstract View from the international popular definition, microfinance point to low-income groups and miniature enterprise provide amount of smaller continuous credit service, its basic characteristics are Numbers are small, no guarantees, unsecured, service at the poor. Microfinance by regular financial institutions and special microfinance institutions or organizations to provide. Microfinance organization according to the characteristics of the business, divided into two categories: commercial and welfare, also called system socialist and welfare socialism (small and medium enterprise loan not microfinance). Although our country microfinance produces quite early, but in microfinance of operation with its own national characteristics appeared a lot of problems, which caused a lot of commercial Banks to exit the small assure loan mechanism, so small loans should be clearly company own nature and the mode of operation of the integration of their own. At the same time, the government s