论我国小额信贷的有效模式及其发展前景
毕业论文关键词:小额信贷；比较；金融扶贫；有效模式
Theory of effective patterns of microfinance in China and its development prospect
Abstract：Microfinance by providing small loans, financial incentive constraint mechanism, changed the traditional way of fiscal transfer payment, is an effective way of financial poverty alleviation.Aims to financial services for poor farmers or miniature enterprise provides an opportunity to obtain employment and development, to promote its to the survival and development.With the development of economy, the financial also began to expand into rural areas, more and more farmers friends begin to pay close attention to various financing channels, to expand the current agricultural production to improve living standards.In this paper, the theoretical basis, current situation of the development of microfinance and foreign successful experience, combined with our national condition analysis and comparison to explore effective mode for our country, in order to better development of microfinance in our country, relieve our country agriculture industrialization, intensive, large-scale development of the demand for loans.
Keywords:Microfinance; Comparison; Financial poverty alleviation; Effective model
目录
摘要.1
关键字.1
Abstract.1
Keywords.1
一、引言 1
二、文献综述 2
三、小额信贷的理论基础 3
（一）小额信贷的概念 3
（二）小额信贷的特征 3
1.它是金融产品和金融制度的创新 3
2.面向的贷款对象特殊性 3
3.贷款期限及偿还的优势性 3
4.利率水平特殊性 3
（三）小额信贷的作用 3
四、我国小额信贷发展概述 4
（一）小额信贷发展历程 4
（二）小额信贷目前存在的问题 4
1.现行政策、监管问题 4
2.市场化程度问题 5
3.内部机制问题 5
4.直接参与人员 5
五、小额信贷模式的国际比较 5
（一）孟加拉乡村银行（格莱珉银行）模式 5
1.运作模式 5
2.主要特点 5
（二）印尼人民银行乡村信贷部模式 6
1.运作模式 6
2.主要特点 6
（三）玻利文亚阳光银行模式 6
（四）三种运作模式的比较 7
1.监管方式 7
2.组织形式 7
3.利率水平 7
优尔、国际经验给予我国的启示 8
（一）政策倾斜，完善监管 8
（二）市场化深入改革 9
（三）内部机制注重完善 9
（四）关注客户本身 9
七、我国小额信贷的有效模式 9
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