临海市农村小额贷款业务的问题及对策研究毕业论文.doc

毕业论文 （2010届） 临海市农村小额贷款业务的问题及对策研究 摘 要 近年来在临海市的发展迅速，并荣获2010年度十大民生工程称号。小额贷款作为一项新兴的金融，在诸多领域建设中，小额贷款业务所展示的成效尤为突出，对农村地区融资发展、产业化经营起到了至关重要的作用。业务充分与当地市场相结合，扶植地区优势产业，帮助临海市广大贫苦农户建立长期有效的增收机制，以期实现自主脱贫，共同富裕。关键词： Abstract The introduction of Micro-credit business in LinHai which is the demand of socialist market economy has caused highlight response and also get the awards of top ten of the 2010 title livelihood projects. Micro-credit Business which has been a new way of financial service not only provides Low-income farmers with a wide range of financial services,but also opens up a new market-oriented for rural development to promote new channels.In different fields of development of LinHai micro-credit business has received a wonderful success and play an important role in rural financial development、industrial management.This business can fully combined with the local market,support the good industries, help the majority of poor farmers in LinHai to creat long-term effective system to increase the income to realize common prosperity.About all,we can acknowledge that micro-credit business is good for LinHai s development. This paper will analysis the credit limits, repayment term, interest rate of the LinHai local micro-credit business by the market survey, acknowledge the operation of this business, find out the defaults ,provide the solutions in the respects of optimize the product structure, increase product innovation, forecast the development of orient under the purpose of creating the perfect system in LinHai. Keywords: Micro-credit; Service Mode; Rural Finance 目 录 1 临海市农村小额贷款业务发展现状 1 1.1 临海市农村金融需求情况概述 1 1.2 临海市农村小额贷款业务总体情况 2 1.3 临海市农村额信贷业务特点 4 1.3.1 跳出传统小额贷款禁锢 4 1.3.2 打破了以往“只贷不存”的模式 4 1.3.3 循环贷款，提高农户还款积极性 5 1.3.4 有利的实施环境和政府支持 5 2 临海市农村小额信贷业务存在的问题 7 2.1 产品结构有待优化 7 2.2 授信额度与贷款需求不匹配 7 2.3 贷款期限太短 8 2.4 小额信贷利率偏高 8 2.5 弱势群体难以获得有效贷款支持 9 3 临海市农村小额贷款业务的调查研究 11 3.1 调查问卷基本情况 11 3.1.1 调查问卷的设计 11 3.1.2 调查问卷的发放和回收 11 3.2 小额信贷服务普及度的调查分析 11 3.2.1 小额信贷认知度分析 11 3.2.2 小额信贷便捷度分析 1