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商業銀行小額信貸業務的發展和政策引導

時間:2019-05-26 09:15來源:畢業論文
介紹了小額信貸的基本概念,然后論述小額信貸在我國的開展,然后提出我國商業銀行開展小額信貸業務的必要性,再根據我國商業銀行小額信貸業務發展存在的問題,有針對性地提出

摘要:我國政府及監管部門在近幾年都出臺了一系列的宏觀經濟政策和金融政策,引導金融資源的優化配置、引領資源的合理流動方向,來改善中小企業和個人的融資難問題的現狀。同時,利率市場化的迅速推進使得銀行業加速業務轉型,小額信貸業務市場對銀行業也具有更加重要的意義。銀行業戰略轉型和市場競爭的需要,使銀行業逐漸重視小額信貸業務。小額信貸的發展動力由原來的政策驅動型正逐漸轉變為市場機制驅動型,由原來的監管要求做小微貸款業務正逐漸轉變為銀行主動做小額信貸業務。小額信貸業務是當今金融領域的重大議題,越來越多的國家和銀行都對它加大了關注和認可度。在我國銀行業,小額信貸項目同樣也被視為實現可持續發展的重要課題。雖然目前小額信貸業務正在積極開展,但是由于有關小額信貸的實踐開始較晚,因此對商業銀行小額信貸的發展進行指導的文獻還相對較少。未來,我國小額信貸市場具有廣闊前景,商業銀行應該及早進入。本文首先介紹了小額信貸的基本概念,然后論述小額信貸在我國的開展,然后提出我國商業銀行開展小額信貸業務的必要性,再根據我國商業銀行小額信貸業務發展存在的問題,有針對性地提出了相應的解決措施,最后在政策引導上給出了一定的建議。35735
畢業論文關鍵詞:商業銀行 小額信貸 發展現狀 政策引導
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.

源¥自%六^^維*論-文+網=www.aftnzs.live


Key Words: commercial banks,Micro credit,development status, policy guidance
目錄
一、 導  論    1
(一)選題背景與研究意義    1
(二)文獻綜述    2
(三) 研究方法    4
二、小額信貸概述    4
(一)小額信貸的含義    4
(二)小額信貸的組織形式    4
(三)小額信貸的特征    5 商業銀行小額信貸業務的發展和政策引導:http://www.aftnzs.live/jingji/20190526/33822.html
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