摘  要：农中农商银行等村金融生态优化金融机构需要对小额贷款业务等做出改进，来满足新环境需求。本文研究结合文献综述法、案例分析法等，提出了应该让政府、银行等金融机构、社会担保以及民间金融等有序参与其中，由政府为其提供优越政策和制度保障，让银行等金融机构为其提供优越基础服务，让社会担保创造更加有利于降低信息不对称风险的配套保障。结合桐城农商银行小额信贷业务在金融生态环境下的发展定位、存在的问题分析等，建议桐城农商银行可以立足服务三农，在生态金融视角下，反思自身定位、调整角色与功能，对业务进行改进，优化对农民、农户、农企的融资扶持，强化信用风险管控，更好地服务农村金融。75816

毕业论文关键词：农村金融生态优化  农商行 小额贷款设计 案例研究

Research on the Micro-Credit Loan of the Rural Commercial Banks from the View of Rural Financial Ecological Optimization: Taking the TongCheng Rural Commercial Bank As an Example

Abstract: Rural commercial banks should make improvements in the small loan business to meet the needs of rural financial ecological optimization。 Combining the methods of literature review and case analysis, this paper puts forward some views to optimize the rural financial ecological, including the effective policy and institutional guarantee from the government, the innovative service from the banks and other financial institutions, and the other support measures to reduce the information asymmetry from the bonding companies。 After using these views in the case of micro-credit business in TongCheng rural commercial bank, we find some problems in the development of its micro-credit business。 We also propose some suggestions for TongCheng rural commercial bank, such as adjusting the position to service for agriculture, rural Area and farmers, improving the business to financing the farms and the rural companies, enhancing the control of credit risk and so on。

Key words: rural financial ecological optimization; rural commercial bank; micro-credit loan design; case study

目 录

一、绪论 1

（一）研究背景 1

（二）研究意义 2

（三）研究方法 2

二、文献综述 2

（一）农村金融生态及其优化的研究 2

（二）农村商业银行小额信贷业务发展的研究 3

三、农村金融生态优化与农村小额信贷设计 4

（一）农村金融生态构成及其优化 4

（二）农村金融生态优化视角下的小额信贷设计 5

1。政府引导金融机构关注和扶持小额授信 5

2。银行金融机构注重创新小额授信 5

3。构建有利于小额授信的社会担保机制 6

4。规范民间金融市场秩序发展 6

四、桐城农商银行小额信贷业务定位与问题的案例分析 7

（一）桐城农村金融生态特征及优化方向 7

1。桐城农村金融生态环境 7

2。金融生态视角桐城农村小额信贷优化设计方向