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1、論文題目無(wú)錫市小額信貸問(wèn)題研究姓名學(xué)院系專(zhuān)業(yè)指導(dǎo)老師職稱(chēng)二0—三年五月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(jiǎng)得主穆罕默德?尤努斯(MuhammadYunus)幵創(chuàng)。小額信貸機(jī)構(gòu)一直在為全世界的窮人發(fā)放小額貸款，數(shù)以千計(jì)的案例研究表明，這些小額貸款對(duì)減少貧困、改善健康狀況、提高教育水平以及促進(jìn)“婦女賦權(quán)”多有助益。為了實(shí)現(xiàn)共同富裕，我國(guó)近年來(lái)借鑒國(guó)外小額貸款的成功經(jīng)驗(yàn),發(fā)展了中國(guó)的小額貸款業(yè)務(wù)。但是進(jìn)過(guò)實(shí)踐發(fā)現(xiàn)，小額信貸在國(guó)內(nèi)的實(shí)施還存在很多的問(wèn)題。本文在了解無(wú)錫市
2、小額信貸發(fā)展現(xiàn)況及特點(diǎn)的基礎(chǔ)上，針對(duì)無(wú)錫市中小企業(yè)貸款難的原因，提出無(wú)錫市小額信貸發(fā)展中存在的問(wèn)題，如機(jī)構(gòu)模式不合理并通過(guò)真實(shí)的案例進(jìn)行分析，列舉出借鑒國(guó)際經(jīng)驗(yàn)結(jié)合自身實(shí)際，加強(qiáng)小額信貸的監(jiān)管，發(fā)揮財(cái)政作用等建議。小額信貸對(duì)無(wú)錫市經(jīng)濟(jì)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(shí)，應(yīng)針對(duì)自身情況對(duì)該模式進(jìn)行改進(jìn)和創(chuàng)新以克服其缺陷。關(guān)鍵詞：無(wú)錫市小額信貸金融服務(wù)中小企業(yè)AbstractSmallamountofcreditisgenerallypointtotheprovisionoffinan
3、cialservicesforthepoor，micro-creditinmostcases，firstappearedinthe1970s，pioneeredbyNobelPeacePrizewinnerMuhammadYunus(MuhammadYunus).Microfinanceinstitutionshavebeensmallloansforpoorpeoplearoundtheworld,thousandsofcasestudiesshowthatthesesmallloansandmorehelpreducep
4、overty，improvehealth，improvethelevelofeducationandthepromotionofwomen’sempowerment’’beneficial.Inordertoachievecommonprosperity,Chinainrecentyearstolearnfromthesuccessfulexperienceofforeignmicro-loans，thedevelopmentofChina’smicro-lendingbusiness.However，inpractice,
5、theimplementationofmicro-creditinthecountrytherearestillmanyproblems.Inthispaper，basedonunderstandingofthecurrentsituationandcharacteristicsofWuxiCity，thedevelopmentofmicro-credit，loansforsmallandmediumenterprisesinWuxiCityreasons,problemsexistinthedevelopmentofmic
6、ro-creditinWuxiCity,theinstitutionalmodeunreasonableandthroughrealcaseanalysis,recommendationsincludedrawingoninternationalexperienceanditsownreality，tostrengthenthesupervisionofmicrofinance,financialrole.MicrofinanceWuxiCitysoundandrapideconomicdevelopmentplaysani
7、mportantrole.Itselftherearestillmanyshortcomingsinthepositivedevelopmentofmicro-creditatthesametime，improvementsandinnovationstoovercomeitsshortcomingsshouldbethemodelfortheirownsituation.Keywords:WuxiCityMicrofinanceFinancialServicesSMEs目錄翻IAbstractI9IW11.發(fā)展小額信貸的意
8、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(dòng)區(qū)域經(jīng)濟(jì)增長(zhǎng)21.3小額信貸城市扶貧幫助下崗工人再就業(yè)32.無(wú)錫市小額信貸發(fā)展現(xiàn)狀及特點(diǎn)32.1無(wú)錫市小額信貸的現(xiàn)狀32.2無(wú)錫市小額信貸的特點(diǎn)52.2.1以服務(wù)中小企業(yè)為主52.2.2小額貸款公司股東實(shí)力雄厚5
