论孟加拉国乡村银行成功的原因及意义（可编辑）.doc

论 文 摘 要?本文 介绍了孟加拉国乡村银行产生的历史背景、 运作模式、 组织? 结构与管理以及发展业绩, 结合该银行的创办者穆罕默德 ? 尤努斯的 草根金融理念, 从国情等政治因素、 市场化运作等经济因素、 有效监 督等制度因素诸方面分析了孟加拉国乡村银行成功的原因, 揭示了孟 加拉国乡村银行的成功对于解决穷人借贷问题、 缓解国内矛盾、 打破 农村金融思维定势、 引起世界对穷人经济学的关注等重要意义, 指出 了孟加拉国乡村银行成功推行的小额 贷款模式在中国的发展现状 , 及 其对中国打造和谐社会和信用社会所具有的借鉴作用, 总结了小额贷 款在中国实践所产生的门槛高、 手续多、 款额小、 利率高和期限短等 若干问题, 并 从关注小额贷款的零担保、 可持续、 市场化、 关注贷款 人群的教育、 医疗保险等问题、 关注社会诚信、 尽快出台相关法律等 角度提出了对策。 关键词: 孟加拉国乡村银行、草根金融理念、小额贷款 第 5 页 共 42 页ABSTRACT My thesis introduced Bangladesh Country Bank from its historical background, operation model, organization structure and management, as well as its outstanding achievements, combined with the grass-rooted financial idea of Muhammad Yunus, who founded the Bank, analyzing the reason why Bangladesh Country Bank made great achievements from several different aspects, for example, national conditions, marketing operation, effective supervision and so on, illustrating what the success of Bangladesh Country Bank meant to the solution of dilemma in making tiny loans to desperately poor farmers, mitigating domestic contradiction, breaking the fixed pattern of thinking in rural finance, arousing the attention of the whole world to the poor people economics, pointing out how the successful pattern of micro-credit has ignited a spotlight upon China, as well as its influence upon the building of our harmonious and credit society,? summarizing the problems of high sill, multiple procedures, tiny loans, high interests and short period when micro-credit is practiced in China, putting forward several solutions from the different angles, for example, focusing on zero guarantee, sustainability, marketing, the education of the population who make loans, medical insurance, social faith, coming out the laws and regulations that may concern? 第 6 页 共 42 页 KEY WORD: Bangladesh Country Bank, Grass-rooted Financial Idea , Micro-credit第 7 页 共 42 页目录 第一章 孟加拉国乡村银行简介??第 10-15 页 一、 孟加拉国乡村银行产生的历史背景? 第 10-11 页 二、 孟加拉国乡村银行