 ==>> 点击下载文档 |
有鉴于此，本研究结合农村小额信贷相关理论的基础上，就我国农商行小额
信贷未来的发展环境进行了深入分析，特别是分析了我国农商行小额信贷未来发
展面临的外部机遇和威胁，行业自身的优劣势，并基于此提出了促进我国农商行
小额信贷发展的针对性策略和建议，包括逐步调整优化信贷结构、创新信贷产品
和营销模式、健全信贷风险管理组织体系等。进一步地，本研究结合天津滨海农
商行小额信贷服务模式创新的实践案例，分析其在农村小额信贷的现状以及存在
的问题，以及滨海农商行未来在小额信贷服务模式创新上面临的困境。紧接着，
本研究结合滨海农商行自身实际情况就如何推进业务模式创新提出了探索性的
建议，包括持续推进农村金融产品开发、创新个人三农小额信贷服务模式、开创
乡村自助店服务模式等，并就提高农户小额信贷服务效率、建立多样化农户小额
信贷服务平台、完善农村金融生态环境、完善小额信贷风险管理等创新性地提出
相关配套政策建议。相关研究结论对于我国其他农商行农村小额信贷业务发展具
有一定参考价值
关键词：农户小额信贷；农商行；服务模式；ABSTRACT
In recent years, with the three rural issues in the increasingly important role of
promoting national economy plays a role in the healthy development and play, how to
solve the three rural problems in the process of the development of more and more
attention by all levels of government. Especially in the current funding has become an
important bottleneck restricting the three rural issues, and how to improve the rural
micro credit is an important breakthrough to solve the problem. At present, although
the total amount of rural microfinance business development is very large, but there
are still some problems, such as small scale, high cost, difficulty of farmers loans, and
so on. Therefore, it is an important way and means to promote the development of the
three rural in China, how to innovate the microfinance service model and improve
the service ability of rural commercial banks.
In view of this, this study based on the theory of rural microfinance, in-depth
analysis of China&39;s rural commercial microfinance development environment in the
future, especially the analysis of China&39;s agricultural firms future development
opportunities and threats of the microfinance industry, their advantages and
disadvantages, and based on this, put forward to promote the development of China
rural commercial microfinance targeted strategies and recommendations, including to
gradually adjust and optimize the credit structure, credit products and innovative
marketing model, the credit risk management organization system. Further, based on
the case of Tianjin Binhai rural commercial microfinance service model innovation,
analysis of the status quo of rural microfinance and the existing problems and
difficulties in the future Binhai rural commercial microfinance service model
innovation faces. Then, on the basis of the actual situation of coastal agricultural firms
on how to promote the business model innovation put forward exploratory proposals,
including continuing to promote rural development, financial product innovation of
personal microfinance service mode, create rural rural self-help shop service mode,
and improve the efficiency of microfinance services, establish a diversified rural
microfinance services the platform, improve the rural financial ecological
environment, improve the micro credit risk management put forward relevant policysuggestions. The related research conclusion has certain reference value for the
development of rural micro credit business in other rural areas of China.
Keywords： Microfinance； Rural Commercial Bank， Service Model目录
摘要 .........I
ABSTRACT .. III
第一章 引言...........1
1.1 研究背景与研究意义......1
1.1.1 研究背景.......1
1.1.2 研究意义.......1
1.2 研究内容与研究方法......2
1.2.1 研究内容.......2
1.2.2 研究方法.......4
第二章 相关理论综述......5
2.1 相关概念..5
2.1.1 农户...5
2.1.2 小额信贷概念5
2.1.3 农户小额信贷6
2.2 农村小额信贷相关理论依据......6
2.2.1 小额信贷理论依据...6
2.2.2 农户小额信贷特征...8
2.2.3 农村小额信贷模式...9
2.3 国内外研究现状述评....10
2.3.1 国外研究现状.........10
2.3.2 国内研究现状.........11
第三章 农村商业银行发展农户小额信贷发展环境分析.15
3.1 农村商业银行农户小额信贷服务发展历程....15
3.1.1 农村商业银行发展现状......15
3.1.2 农村商业银行农户小额信贷业务发展状况..........16
3.2 农村商业银行农户小额信贷服务发展机遇与挑战....16
3.2.1 农商行农户小额信贷服务发展基础和机遇.........16
3.2.2 农商行农户小额信贷服务发展外部压力和挑战.19
3.3 农商行农户小额信贷发展策略21
3.3.1 逐步调整优化信贷结构......21
3.3.2 创新信贷产品和营销模式.22
3.3.3 健全信贷风险管理组织体系.........22第四章 天津滨海农商行小额信贷服务模式创新实践...23
4.1 天津滨海农商行小贷服务模式创新环境分析 ........... 23
4.1.1 滨海农商行情况简介 ........ 23
4.1.2 滨海农商行战略定位 ........ 24
4.2 滨海农商行农户小额信贷服务模式现状及问题分析 ........... 24
4.2.1 滨海农商行农户小额信贷服务模式现状24
4.2.2 滨海农商行农户小额信贷服务存在的问题 ........
。。。以上简介无排版格式，详细内容请下载查看
