河北省农村小额信贷需求问题研究–以河北省南皮县为例

河北省农村小额信贷需求问题研究

–以河北省南皮县为例

摘要：农村小额信贷作为一种特殊的信贷方式，为农村扶贫和农村经济建设发挥了重要作用。我国农村小额信贷具有规模小、成本高、无抵押等特点，项目收益不高、风险大，小额信贷机构的可持续性较差，小额信贷发展难以形成规模。建立完善的农村小额信贷服务体系，为农村小额信贷的发展营造一个有利的发展环境，以市场化的方式促进小额信贷的发展，是目前我国农村金融领域亟待解决的问题。河北省南皮县是一个传统的农业县，农业基础薄弱，农民增收缓慢，农村相对落后问题还很突出。河北省南皮县的小额信贷经过多年的持续发展，取得了一定成绩，但是随着小额信贷的不断开展，一些新的缺陷也出现在了人们的面前，小额信贷机构的前景不容乐观。因此，如何使河北省南皮县的小额信贷保持生命力，继续为推动农村经济发展发挥出它所应用的作用，是个值得研究的课题。本文通过对河北省南皮县农村小额信贷需求现状、面临的困境分析，提出进一步推进河北省南皮县农村小额信贷可持续发展的有效举措。

关键词：农村小额信贷；信贷方式；农村资金市场

Research on the demand of Rural Microcredit in Hebei Province -take Nanpi County, Hebei Province as an example

Abstract: as a special way of credit, rural microcredit plays an important role in rural poverty alleviation and rural economic construction. Rural micro-credit in China has the characteristics of small scale, high cost, unsecured and so on. The project income is not high, the risk is large, the sustainability of micro-credit institutions is poor, and the development of micro-credit is difficult to form scale. To establish a perfect rural microcredit service system to create a favorable environment for the development of rural microcredit and to promote the development of microcredit in a market-oriented way is an urgent problem to be solved in the rural financial field of our country at present. Nanpi County, Hebei Province is a traditional agricultural county, agricultural foundation Weak, farmers slowly increase income, rural relatively backward problem is still very prominent. Nanpi County, Hebei Province, after years of sustained development, has made some achievements, but with the continuous development of micro-credit, some new defects also appear in front of people, the prospects of micro-credit institutions are not optimistic. Therefore, how to maintain the vitality of micro-credit in Nanpi County, Hebei Province, and continue to play its role in promoting the development of rural economy is a subject worthy of study. Based on the analysis of the current situation and predicament of rural microfinance demand in Nanpi County, Hebei Province, this paper proposes to further promote rural microfinance in Nanpi County, Hebei Province. Effective measures for sustainable development of loans.

Key words: rural micro-credit; credit mode; rural capital market

目录

1 引言 (1)

2 农村小额信贷的相关理论 (1)

3. 数据来源与统计分析 (2)

3.1数据背景与来源 (2)

3.1.1数据背景 (2)

3.1.2数据来源 (2)

3.2样本农户基本情况 (2)

3.3对调查情况的统计分析 (3)

3.3.1农民对“小额贷款”的认识和态度 (3)

3.3.2借贷意愿和贷款需求额度的分析 (3)

3.3.3贷款利率和贷款期限的分析 (3)

3.3.4贷款资金的用途的分析 (4)

3.3.5小额信贷多种发展模式分析 (4)

4 河北省南皮县农村小额信贷发展中存在的问题与成因 (5)

4.1信贷资金供给不足 (5)

4.2正规金融市场农户参与度低 (5)

4.3市场定位模糊，贷款结构不合理 (6)

4.4监管模式保障制度不完善 (6)

4.5 小额信贷利率水平偏低 (6)

5 进一步推进河北省南皮县农村小额信贷发展的对策 (7)

5.1 发展多类型多层次农村金融机构和业务 (7)

5.2农户小额信贷参与度低的措施 (7)

5.3加强贷款管理，确保支农重点 (8)

5.4打造合理的小额信贷运行模式 (8)

5.5加大监管统筹，采取多手段发展 (8)

结论 (8)

参考文献 (10)

附录调研问卷 (12)