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1、畢業(yè)論文（設(shè)計）???論文題目無錫市小額信貸問題研究?姓名學(xué)號?院系專業(yè)?指導(dǎo)老師職稱???中國·二o?一三年五月I摘要小額額信貸一般是指向窮人提供金融服務(wù)，在多數(shù)情況下是小額貸款，最早出現(xiàn)于70年代，由諾貝爾和平獎得主穆罕默德?尤努斯（MuhammadYunus）開創(chuàng)。小額信貸機構(gòu)一直在為全世界的窮人發(fā)放小額貸款，數(shù)以千計的案例研究表明，這些小額貸款對減少貧困、改善健康狀況、提高教育水平以及促進“婦女賦權(quán)”多有助益。為了實現(xiàn)共同富裕，我國近年來借鑒國外小額貸款的成功經(jīng)驗，發(fā)展了中國的小額貸款業(yè)務(wù)。但是進過實踐發(fā)現(xiàn)，小額信貸在國內(nèi)的實施還存在很多的問題。本文在了解
2、無錫市小額信貸發(fā)展現(xiàn)況及特點的基礎(chǔ)上，針對無錫市中小企業(yè)貸款難的原因，提出無錫市小額信貸發(fā)展中存在的問題，如機構(gòu)模式不合理并通過真實的案例進行分析，列舉出借鑒國際經(jīng)驗結(jié)合自身實際，加強小額信貸的監(jiān)管，發(fā)揮財政作用等建議。小額信貸對無錫市經(jīng)濟又好又快的發(fā)展起著重要的作用。但它自身仍然存在很多不足，在積極發(fā)展小額信貸同時，應(yīng)針對自身情況對該模式進行改進和創(chuàng)新以克服其缺陷。關(guān)鍵詞：無錫市小額信貸金融服務(wù)中小企業(yè)AbstractSmallamountofcreditisgenerallypointtotheprovisionoffinancialservicesforth
3、epoor,micro-creditinmostcases,firstappearedinthe1970s,pioneeredbyNobelPeacePrizewinnerMuhammadYunus(MuhammadYunus).Microfinanceinstitutionshavebeensmallloansforpoorpeoplearoundtheworld,thousandsofcasestudiesshowthatthesesmallloansandmorehelpreducepoverty,improvehealth,improvethelevelo
4、feducationandthepromotionofwomen'sempowerment"beneficial.Inordertoachievecommonprosperity,Chinainrecentyearstolearnfromthesuccessfulexperienceofforeignmicro-loans,thedevelopmentofChina'smicro-lendingbusiness.However,inpractice,theimplementationofmicro-creditinthecountrytherearestillma
5、nyproblems.Inthispaper,basedonunderstandingofthecurrentsituationandcharacteristicsofWuxiCity,thedevelopmentofmicro-credit,loansforsmallandmediumenterprisesinWuxiCityreasons,problemsexistinthedevelopmentofmicro-creditinWuxiCity,theinstitutionalmodeunreasonableandthroughrealcaseanalysis
6、,recommendationsincludedrawingoninternationalexperienceanditsownreality,tostrengthenthesupervisionofmicrofinance,financialrole.MicrofinanceWuxiCitysoundandrapideconomicdevelopmentplaysanimportantrole.Itselftherearestillmanyshortcomingsinthepositivedevelopmentofmicro-creditatthesametim
7、e,improvementsandinnovationstoovercomeitsshortcomingsshouldbethemodelfortheirownsituation.Keywords:WuxiCityMicrofinanceFinancialServicesSMEs12目錄摘要IAbstractI引言11．發(fā)展小額信貸的意義11.1扶持貧困農(nóng)戶促其走向自我生存與發(fā)展21.2解決中小企業(yè)資金需求,拉動區(qū)域經(jīng)濟增長21.3小額信貸城市扶貧幫助下崗工人再就業(yè)32.無錫市小額信貸發(fā)展現(xiàn)狀及特點32.1無錫市小額信貸的現(xiàn)狀32.2無錫市小額信貸的特點52.2.
8、1以服務(wù)中
