杭州新农村小额贷款问题研究

[摘 要]小额信贷发生于20世纪70年代，在全球认为减轻贫困问题和发展农业事业较为有效的金融扶贫渠道。小额信贷在我国是农民获得资金支持的主要渠道。一直以为的社会经验说明小额信贷是加速农村经济发展、加快农民脱贫致富重要的金融扶贫形式。杭州市小额信贷在发展过程中存在着许多问题，例如小额信贷资金矛盾显著、金融机构较少、贷款偿还能力有限、金融机构相关保证人员缺乏社会责任感、缺乏相关保障金融机制来承担风险可控、继续发展能力不足等。本文通过了解国内杭州小额信贷发展状况，分析杭州市小额信贷目前的状况，和一系列的问题，提出对应对策。比如增加资金来源方式；强化农村金融机构覆盖率；鼓励金融创新，推动小额信贷可持续性发展等，使农村人民走向富裕道路，并在最后对杭州市小额信贷未来的发展进行了展望。

[关键词]:杭州市；小额信贷；发展；

目录

引言································1

一、新农村小额贷款的发展现状·····················2

 1.1 小额信贷的概述·························2

 1.2 小额贷款在新农村的地位及作用···················2

 1.3 小额贷款的发展现状·······················3

  1.3.1我国小额贷款发展状况····················3

  1.3.2 杭州小额贷款发展状状····················4

二、杭州新农村小额贷款发展中存在的问题················4

 2.1 小额信贷机构资金矛盾显著······················4

 2.2 农村金融机构较少························5

 2.3 缺乏相关保障金融机制来承担风险可控···············5

 2.4 法律法规环境建设缺失······················6

 2.5 金融机构相关人员缺乏社会责任感··················6

 三、完善杭州市农村小额信贷的对策和建议···············6

 3.1 借鉴国外实施策略方式并融合国情·····················6

 3.2 提出完善的建议和改进措施····················7

  3.2.1加强资金来源来方式化解资金矛盾························7

  3.2.2 强化新农村金融机构覆盖率，加强合适当地金融产品的产出········7

  3.2.3 切实加强新农村金融环境建设····················8

  3.2.4 建立完善法律、法规以及监管机构···············8

  3.2.5 加强小额信贷机构内部管理机制················8 四、杭州市小额信贷发展的未来展望··················9

结束语·······························9

参开文献······························9

致谢································10