学年论文初稿 小额信贷

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1、目录1中国小额信贷的发展背景······································31.1小额信贷的含义·······················································31.2小额信贷在中国的引进·················································31.3小额信贷在中国的发展现状·············································42中国农村经济发展对农村信贷资金的需求分析···

2、·········52.1农村居民收入、支出和金融需求的概况····································52.1.1收入概况····························································52.1.2农户支出、储蓄和金融需求············································62.2正规金融传统业务和小额信贷对于满足农村金融需求的能力比较··············8143小额信贷与中国农村经济发展的相关性分析

3、···············94进一步促进小额信贷发展的建议······························12论小额信贷与农村经济发展摘要：近些年来，随着中国经济的快速发展，城乡差距的越来越大，农村经济发展问题备受关注。而农村金融已经成为农村经济发展的制约因素。小额信贷，似乎为解决这一问题提供了可行渠道。因此，本文首先对小额信贷在中国的发展背景，发展现状作了简要的介绍。然后从相关统计数据出发，分析了农村居民收入、支出和金融需求的状况，基于此说明了农村居民对小额信贷的需求。同时，通过对正规金融传统业务与小额信贷业务

4、的比较，说明农村居民对金融的需求可以看作是对小额信贷的需求。此外，本文还通过建立模型分析了农村信用社贷款余额与农林牧副渔总产值之间存在一元线性相关关系，进而推得小额信贷与农村经济发展之间存在着正相关关系。最后，本文还就小额信贷的可持续性发展问题提出促进小额信贷发展的相关建议。关键词：资金缺口小额信贷农村经济Abstract：Inrecentyears,alongwiththefastdevelopmentofChineseeconomy,enlargementofdisparitybetweenurbanandrural,the

5、ruraleconomicdevelopmentquestion14receivesmoreandmoreattention.Meanwhileruralfinancehasalreadybecametherestrictionfactoroftheruraleconomicdevelopment.Fortunatelymicrofinanceseemstoprovideaaccessiblemethodtosolveit.Sothispapergivesabriefintroductionaboutthebackgrounda

6、ndcurrentsituationofdevelopmentofmicrofinanceinChina.Thenithasanalysedtheactualityofruralresidents’income,outgoandthefinancialdemandusingthestatistics.Basedonit,thispaperindicatesruralresidents’demandformicrofinance.Besides,thispaperhasalsoanalysedtherelationbetweenm

7、icrofinanceandruraleconomicdevelopmentbybuildingmathematicalmodel.Finally,thispaperpresentssomepolicysuggestionsabouthowtostrengthenthedevelopmentofmicrofinancefromtheangleofsustainabledevelopment.Keywords:financinggapmicrofinanceruraleconomy1中国小额信贷的发展背景1.1小额信贷的含义广义的

8、小额贷款泛指所有小额个人信用贷款，包括民间借贷、非法高利贷、或合作贷款。但现今一般人提及微型贷款，多半指的是孟加拉国银行家穆罕默德·尤纳斯其创建的格拉明乡村银行在1976年开始所针对穷人推行的小额贷款。而本文研究的小额信贷则有明确的定义和国际普遍接受的标准。“小