导　　师： 田秋生

学科专业： 020204

授予学位： 硕士

作　　者： ;

机构地区： 华南理工大学

摘　　要： 农村小额信贷作为一种为满足农村地区金融需求的信贷模式，自20世纪60、70年代产生以来，在发展中国家得到了巨大的发展。我国农村小额信贷起步较晚，自90年代初开始引进推行农村小额信贷扶贫模式，农村小额信贷在缓解农村金融抑制现状，拓宽金融机构资金运用渠道，提高农民的生产生活水平等方面取得了明显的成效。截至2013年6月末，全国共有小额贷款公司7086家，贷款余额7043亿元，数量历年持续增长。中国是一个农业人口大国，农业是国民经济的基础，广东省作为经济发达省份，一直走在全国前列。但是，目前广东农村小额信贷还面临一系列的问题，甚至存在较为严重的农村金融抑制现象，作为农村金融产品的小额信贷服务不能满足农村资金需求，而国有大型银行逐渐收缩农村地区的网点，农村金融机构低利率、缺少有效的管理机制等问题普遍存在，都不利于广东农村小额信贷的长远发展。 面对广东农村小额信贷市场面临的困境，笔者通过实地调查，数据收集，采访负责人等方式进行研究分析，试图从广东省农村小额信贷发展现状出发，从宏观和微观层面进行数据分析推理，研究对策。文章总共分为四部分：首先对农村小额信贷的起源，作用等相关问题进行说明，阐述本文的研究背景和研究方法，总结前人的研究成果；然后简要介绍广东省农村小额信贷的发展情况，结合我国的现状，分析农村小额信贷在我省的特点和发展趋势。本章主体部分通过典型案例调查，对比分析相结合，利用实地调研数据分析广东省农村小额信贷的运行现状、特点及遇到的困境，指出目前广东农村小额信贷面临的主要问题；根据世界各国和国内发达省份的成功经验，找出广东农村小额信贷持续发展的几点对策。 小额信贷已成为我国农村金融体系的重要组成部分，“十二五”规划的着力点是“三农”问题，因此，研究广东省农村小额信贷，对活跃我国农村金融市场，解决金融危机之后，农民返乡创业的资金需求问题等具有深远的现实意义。 As the Rural Microfinance to meet the financial needs of the credit model, since the1960s and1970s, in developing countries has been a huge development. In China, Rural Microfinancestarted late, since the early1990s began to introduce the implementation of rural microfinancemodel, rural micro-credit in rural financial markets ease monetary supply and demand, broadeninvestment channels credit cooperatives, rural financial structure optimization achievedremarkable results. At the end of June2013, there were7086small loan companies, loan balanceof704.3billion, the number continued to grow over the years. China is an agricultural populouscountry, agriculture is the foundation of national economy. As the economically developed，Guangdong province has been at the forefront of the country. However, with the development ofmarket economy, and the credit system is imperfect. Guangdong Rural Microfinance also faces aseries of problems, and even more serious in rural areas there is the phenomenon of financialrepression. As the rural financial products microfinance services do not meet rural capital needs,and large state-owned banks gradually shrink outlets in rural areas, rural financial institution slowinterest rates, the lack of effective management mechanism such problems are endemic, is notconducive to micro finance in rural Guangdong long-term development. The difficulties faced by the author through field surveys, author interview the person incharge and other ways to research and analysis, attempts from the Guangdong Provincial RuralMicrofinance Development of departure, from the macro and micro-level data analysis reasoningstudy counter measures. Article is divided into a total of four parts: First, the origins of ruralmicrofinance, function, an devolution of micro finance risk, performance and other related issueswill be explained. Then briefly describes the development of the international community moresuccessful rural microfinance in several countries characteristics, combined with China's currentsituation, analyzing the current over all rural microfinance characteristics and trends. This chaptersurveys the main part through the typical case, the combination of comparative analysis, the useof field research data analysis, the development of micro-credit in rural areas run status,characteristics and difficulties encountered by Guangdong Province. Under countries in the worldand the successful experience of the developed provinces, author identified the sustainabledevelopment of microfinance in rural Guangdong by several counter measures. Rural Microfinance has become an important part of the financial system, therefore, inGuangdong Province, rural micro-credit research on active rural financial market is useful to solvethe financial crisis, meet the financial needs of farmers home business issues with far-reaching practical significance.

关 键 词： 小额信贷 农村金融 困境 可持续发展

分 类 号： [F832.4]

领　　域： [经济管理]