資源描述：
《無(wú)錫市小額信貸問(wèn)題研究》由會(huì)員上傳分享，免費(fèi)在線閱讀，更多相關(guān)內(nèi)容在教育資源-天天文庫(kù)。
1、畢業(yè)論文（設(shè)計(jì)）???論文題目無(wú)錫市小額信貸問(wèn)題研究?姓名學(xué)號(hào)?院系專業(yè)?指導(dǎo)老師職稱???中國(guó)·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(jiǎng)得主穆罕默德?尤努斯（MuhammadYunus）開(kāi)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
2、。本文在了解無(wú)錫市小額信貸發(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)AbstractSmallamountofcreditisgenerallypointtotheprovisionoffinancials
3、ervicesforthepoor,micro-creditinmostcases,firstappearedinthe1970s,pioneeredbyNobelPeacePrizewinnerMuhammadYunus(MuhammadYunus).Microfinanceinstitutionshavebeensmallloansforpoorpeoplearoundtheworld,thousandsofcasestudiesshowthatthesesmallloansandmorehelpreducepoverty,improvehealt
4、h,improvethelevelofeducationandthepromotionofwomen'sempowerment"beneficial.Inordertoachievecommonprosperity,Chinainrecentyearstolearnfromthesuccessfulexperienceofforeignmicro-loans,thedevelopmentofChina'smicro-lendingbusiness.However,inpractice,theimplementationofmicro-creditint
5、hecountrytherearestillmanyproblems.Inthispaper,basedonunderstandingofthecurrentsituationandcharacteristicsofWuxiCity,thedevelopmentofmicro-credit,loansforsmallandmediumenterprisesinWuxiCityreasons,problemsexistinthedevelopmentofmicro-creditinWuxiCity,theinstitutionalmodeunreason
6、ableandthroughrealcaseanalysis,recommendationsincludedrawingoninternationalexperienceanditsownreality,tostrengthenthesupervisionofmicrofinance,financialrole.MicrofinanceWuxiCitysoundandrapideconomicdevelopmentplaysanimportantrole.Itselftherearestillmanyshortcomingsinthepositived
7、evelopmentofmicro-creditatthesametime,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(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
8、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
