富裕地区国有银行发展农户小额贷款业务的研究——以温州为例的中期报告.docxVIP

富裕地区国有银行发展农户小额贷款业务的研究——以温州为例的中期报告 【摘要】 本文旨在研究富裕地区国有银行发展农户小额贷款业务的现状和问题，并以温州为例进行深入分析。通过文献综述和实地调研，本文发现：在温州地区国有银行开展的农户小额贷款业务中，普遍存在利率高、申请流程复杂、贷款难度大、风险较高等问题；而温州众多的民营金融机构和小额贷款公司存在贷款灵活、审批快速等优势。因此，国有银行需要转变发展思路，加强金融创新，提高服务质量，借鉴民营金融机构的优点，才能更好地服务农户，促进农村经济的发展。 【关键词】富裕地区；国有银行；农户小额贷款；民营金融机构；温州 【Abstract】 The paper aims to study the current situation and problems of the development of small loans for farmers by state-owned banks in affluent areas, and to conduct in-depth analysis of Wenzhou. Through literature review and field research, it is found that there are common problems such as high interest rates, complex application process, difficult loan approval, and high risks in the small loan business for farmers carried out by state-owned banks in Wenzhou. However, there are numerous advantages such as flexible loans and fast approval in Wenzhous many private financial institutions and small loan companies. Therefore, state-owned banks need to change their development ideas, strengthen financial innovation, improve service quality, and learn from the advantages of private financial institutions in order to better serve farmers and promote the development of rural economy. 【Keywords】affluent area; state-owned bank; small loans for farmers; private financial institution; Wenzhou 【目录】 一、绪论 1.1 研究背景和意义 1.2 研究方法和流程 1.3 研究内容和结构 二、文献综述 2.1 国有银行发展农户小额贷款业务的现状 2.2 民营金融机构发展农户小额贷款业务的经验 三、温州国有银行发展农户小额贷款业务的现状 3.1 温州国有银行发展农户小额贷款业务的历程 3.2 温州国有银行发展农户小额贷款业务存在的问题 四、温州农户小额贷款市场的现状 4.1 温州农户小额贷款市场的结构特点 4.2 温州民营金融机构发展农户小额贷款业务的情况 五、温州国有银行发展农户小额贷款业务的对策与建议 5.1 转变发展思路，加强金融创新 5.2 提高服务质量，精准服务农户 5.3 借鉴民营金融机构的优点，优化农户小额贷款业务流程 六、结论与展望 6.1 结论 6.2 展望 参考文献