中国小额贷款公司融资模式探究

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1、独创性声明誊。、窘锈所呈交的学位论文是本人在导师指导下避行的研究工作及取得的器趸豢暴。播我所知，除了文中特别加以标注和致谢的地方外，论文中不包含其毽人已经发表或撰写过的研究成果，也不包含为获得摩吩勾耘其他教育机构鸶学位或证书两使用过的材料。与我一阉工作的同志对本研究所做的任何贡献均已在论文中作了明确我说明并表示谢意。学位⋯糍：乓铷妙鳓期：沙玛年％月妙日学位论文版权使用授权书本学位论文作者完全了怨匦沈人j占Ⅵ关保留、使用学位论文约规定，有权保留并向国家有关酆门或机构送交论文昀复印俘和磁盘，允许论文

2、被查阅和＼、订借阕-本人授权密叫暂似将学位论文的全部或部分内容编入有关数据库进行检索．可以采用影印、缩印或扫描等复制手段保存、汇编学位论安。学位签字日期：疹7多年莎6月心日学位论文{事者毕业去向：王俸单位：通讯地址：用本授权书)导缔签名：．1萄签字日期：∥电话：邮绩：蹦月心1摘要㈣Y23㈣209㈣45删最早源于孟加拉国的小额担保贷款形式，在上世纪70年代，穆_午修磕r_几AbstractSinceMuhammadYunusexploredsmallloansforpoorpeoplein1976

3、，officiallybegantooperateGrameenBankin1983，andachievedgreatsuccess，othercountriesbegantolearnfromGrameenBankmodel．MicrofinanceloanformoriginatedinBangladesh，inthelastcentury70’S，MohamudYunusfoundedtheGrameenBangladeshAgriculturalBankinBangladesh(Gram

4、een．，meaningVillage)testbranch,Grameenmicrofmancemodebeginstoformgradually．Yunusproposedtoreformcapitalism，primitivecapitalismadvocateiscompetitiveandtheprofitmotive，Yunusproposedtochangethecapitalmodelandtheoriginal．Ourcountryisconcemed，the90‘Softhe

5、lastcentury,alongwiththeintensifiedeconomicrestructuring，furtherdeepeningofenterprisereform，employmentandre—employmentformcausedveryserious．Inordertoplayareasonableallocationoffinancialsupportinthereemploymentandenlivensmallandmedium—sizedenterprises

6、，tostimulatethenationaleconomicdevelopmentandcapital，Chinabegantodevelopthesmall-sumsecuredloansin1999．butbecauseofsmallloanssecuredbusinessdevelopmentinChinaisrelativelylate，relatedpolicyisnotperfect，especiallythenatureoftheproblemonthemechanismofmi

7、cro．creditguaranteeisnotclear,resultinginstimulationofthecapacityofnationaleconomyCo．，in2004theMinistryofFinanceissuedthe”Ministryoffinance，people’SBankofChina,theMinistryoflabourandsocialsecurityonthepromotionofthelaid．offworkersmicrofinancework，fin

8、ancialsupportpolicyimplementationopinions”，smallloanstosupportentrepreneurshippolicyspecific，perfect，SOastopromotethedevelopmentofmicrofinance．Withthedevelopmentofsmallloanstopromotetheworkofmefinancialsystemandrelevantpolicies，institutionsandmechani