为了更好的研究小额贷款的发展情况，本文以郑州市市郊联社为案例进行分
析和剖解，在分析的基础上提出解决信用社在发展小额贷款中的问题，希望借此
促进农村信用社的小额贷款业务的持续与健康、长久发展，能够促进农村信用社
在我国巨大的农村金融市场上保持一定的地位。首先，对郑州市市郊联社的小额
贷款的发展的基本情况、现状进行一定的分析，分析涉及到小额贷款产品的概况
及小额贷款发展状况。产品概况分析包括三个方面分别是贷款产品的种类、小额
贷款的利率以及小额贷款的流程；发展概况从总体的贷款规模、各社的贷款规模
以及贷款的客户数量、贷款的收回情况、从人均贷款额测算的贷款的风险集中度
来进行分析。其次是在分析现状的基础上找到郑州市市郊联社的小额贷款的问题，
主要从贷款的产品问题、流程问题、客户问题、操作风险、信用风险等问题。包
括贷款产品的种类单一、贷款产品的利率较高、贷款的流程比较复杂、贷款的电
子化程度较低、客户流失严重、客户经理的风险把控能力不足以及营销能力不足、
征信体系不健全等。再次，针对现存的问题找出其出现的原因，主要是：目标客
户的结构单一、执行贷款流程的不规范、周围环境发生变化（如拆迁款取代贷款、
拆迁导致居民外迁、安置房成为收入来源、新房抵押他行贷款）、客户经理素质
较低等。最后，根据现存的不同的问题，剖析现实问题出现的具体原因，从思想
到操作、由内而外，针对性、系统性的提出如下解决对策：转变经营观念、健全
内部管理、加强外部监督、调整贷款产品（如丰富产品种类、确定合理期限、降II
低贷款利率）、简化贷款手续、提供优质服务、加大培训力度、完善征信制度、
促进网络办公等
关键词：市郊农村信用社；小额贷款；问题；对策III
Abstract
Rural credit cooperatives play a huge role in the financial development of rural
areas in China, which is the mainstay of the long-term healthy development of rural
finance in our country. Rural credit cooperatives will serve as the responsibility and
support of the three rural service as their development, promote the continuous
production of agriculture, raise the income of farmers, and promote the economic
development of rural areas and the progress of rural society. Microcredit, mainly
located in the service of rural and rural households, is the farmer&39;s business, rural
development of important sources of funding channels. With the development of
market economy financial market competition continues to intensify, rural credit
cooperatives still adhere to the service of rural areas, farmers and agricultural
positioning, has been practicing based on the three rural, urban and rural services.
With the transformation of the rural economic development mode, the credit
cooperatives of the rural loans to the efforts to continue to increase, the support of
agriculture and farmers continue to improve the level of service. After decades of
development, China&39;s large and small urban and rural areas and villages and towns,
have the shadow of rural credit cooperatives, its large and small outlets located in the
streets, the farmers continue to solve the small capital needs of rural households. This
wide coverage and deep penetration of the development of farmers to solve the rural
development of the shortage of funds to promote the development of farmers in rural
areas, rural credit cooperatives of the wide range of expansion of large scale, are
known as China&39;s financial market to get involved in rural areas The main force of the
financial market. However, the rural credit cooperatives because of the development
of small loans for a long time, stalls, its development or there are some problems.
In this paper, the basic situation of small loans in rural suburban rural credit
cooperatives of Zhengzhou City is taken as an example to solve the problems of credit
cooperatives in developing small loans to promote the sustained and healthy
development of small loan business of credit cooperatives, Continue to maintain the
main force in the rural financial markets. Firstly, it analyzes the present situation ofIV
rural credit cooperatives in suburbs of Zhengzhou city, including the analysis of the
status of microcredit products and the development of existing microfinance loans in
Zhengzhou suburb rural credit cooperatives. The product overview is based on the
type of loan product, the interest rate of microcredit and the process of microfinance.
The development profile is based on the overall loan size, the loan size of each society
and the number of loans, the recovery of the loan, Of the risk concentration of the
loan to be analyzed. Secondly, it is based on the analysis of the status quo to find the
suburban rural credit cooperatives in Zhengzhou City, the issue of small loans, mainly
a single type of loan products, loan products, higher interest rates, the loan process is
more complex, the degree of electronic loans Lower customer churn, customer
manager risk control and lack of marketing capacity, credit system is not sound and so
on. Again, for the existing problems to find out the reasons for its emergence, mainly:
the target customer structure is single, the implementation of the loan process is not
standardized, the surrounding environment changes (such as the replacement of loans
to replace the demolition led to the relocation of residents, Source, the new house
mortgage his loan), the lower the quality of the client manager. Finally, the following
problems are put forward as follows: to change the management concept, to improve
the internal management, to strengthen external supervision, to adjust the loan
products (such as rich product categories, to determine a reasonable period, reduce
lending rates) to simplify the loan procedures to provide Quality service, increase
training efforts, improve the credit system, and promote network office.
Key words: Suburb Rural credit cooperatives; Smallloans;Problem;CountermeasureV
目录
摘要..III
Abstract..........III
1 引言 ..1
1.1 研究的背景与意义 .......1
1.1.1 研究的背景........1
1.1.2 研究的意义........1
1.2 研究思路与方法 .........2
1.2.1 研究的思路........2
1.2.2 研究的方法........2
1.3 研究内容与技术路线 .....3
1.3.1 研究内容..........3
1.3.2 技术路线..........4
2 概念的界定与理论基础 .........5
2.1 小额贷款的基本概念 .....5
2.1.1 小额贷款的含义....5
2.1.2 小额信贷的发展....5
2.1.3 小额贷款的分类....6
2.2 小额贷款的理论依据 .....7
2.2.1 不完全竞争市场理论7
2.2.2 信息不对称理论....7
2.2.3 交易费用理论......8
2.3 小额贷款的国内外研究综述 ...........8
2.3.1 国内研究综述......8
2.3.2 国外研究综述......9
3 郑州市市郊联社小额贷款现状、存在问题及原因分析 ......11
3.1 郑州市市郊联社小额贷款现状 ........11
3.1.1 郑州市市郊联社小额贷款产品情况...........11
3.1.2 郑州市市郊联社小额贷款流程概况...........16VI
3.1.3 郑州市市郊联社小额贷款发展状况...........18
3.2 郑州市市郊联社小额贷款存在问题 ....22
3.2.1 产品问题.........23
3.2.2 流程问题.........23
3.2.3 客户问题.........28
3.2.4 客户经理操作风险问题..........
。。。以上简介无排版格式，详细内容请下载查看
==>>