商业银行小额信贷业务的发展和政策引导
毕业论文关键词：商业银行 小额信贷 发展现状 政策引导
The Development and Policy Guidance of Micro Credit of Commercial Banks
Abstract: The government and regulatory authorities in China have issued a series of macro economic and financial policies to guide the allocation and the direction of financial resources with a view to help small medium-sized enterprises and inpiduals to solve the financial problem . At the same time, the rapid development of the interest rate liberalization makes the banking sector accelerate business transformation, and micro credit is becoming more and more important to banking market. To meet the needs of the market competition and the strategic transformation of banking industry, the banking industry gradually realized the importance of small business loans. The motivation of the development of micro credit driven by policy is gradually transformed into the one driven by market mechanism. The banks gradually take the initiative to develop micro credit. Micro credit as a major issue in the international financial field has been recognized and accepted by more and more countries and banks . The sustainable development of micro credit project is also an important task to Chinese banking industry. Micro credit begun in China lately. Although it is developing , the researches to guide the work are relatively few . In the future, micro credit of Chinese market demand is still very vast, and technology is the insurance of the project’s sustainable development. This paper first introduces the basic definition of micro credit , and then extends from the development of micro-finance to the development of Chinese micro credit of banking industry. At last, it analyses the necessity of Chinese banking industry to carry out micro credit business, and the development status of micro credit of commercial bank in our country as well. According to the problems existing in the development, this paper puts forward the corresponding measures of the policy guidance.
Key Words: commercial banks,Micro credit,development status, policy guidance
目录
一、 导 论 1
（一）选题背景与研究意义 1
（二）文献综述 2
（三） 研究方法 4
二、小额信贷概述 4
（一）小额信贷的含义 4
（二）小额信贷的组织形式 4
（三）小额信贷的特征 5
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