论文总字数：30808字

摘 要

农村经济的迅猛成长带动了新的银行业务的产生—农村小额信贷，面对越来越多的受众，很多金融机构已经把面向农村的信贷业务作为发展的重中之重。但随即也引发了许多的问题，例如真正需要资金的农户贷不了款，还款期限给农民带来了巨大的压力等。如何解决所出现的问题，完善小额信贷的运营模式是现阶段各机构必须要面对的问题。本文以农村信贷为探究对象,综合运用理论和实证方法,重点对农村小额贷款模式进行比较分析。主要研究内容包括以下几个方面：

第一章，介绍农产品小额信贷的研究背景和意义。

第二章，系统梳理农业小额信贷国内国际研究现状。

第三章，分析农村小额信贷的发展情况，指出信贷模式的特点和农村小额信贷机构面临的问题。

第四章，通过问卷调查的方式，研究影响农村人群选择信贷产品的主要因素

第五章，基于研究结果，设计出更适合农商行的农业相关信贷新模式，为商业银行的农产品小额信贷发展提供对策建议。

关键词：农村信贷 小额信贷 普惠金融 互联网金融

A Comparative Analysis of Rural Microfinance Model

ABSTRACT

In recent years, the demand for microcredit is growing, which is due to the development of rural economy. Farmers' participation in rural economic activities is increasing and the local economy is very active. It is also because of the increasingly active economic activities in rural areas, people's demand for funds has gradually increased, many rural commercial banks have also opened a corresponding business accordingly, the rural credit business has been the development of the top priority, Or a missing ring. But no matter how good the business will have the corresponding risk exists, how to solve the problems that arise, improve the microfinance mode of operation, to bring real benefits to farmers is particularly important.

In this paper, rural credit as the research object, the comprehensive use of theoretical and empirical methods, focusing on the rural microfinance model for comparative analysis. The main research contents include the following aspects:

The first chapter introduces the research background and significance of agricultural microcredit.The second chapter systematically combs the domestic and foreign research status of microfinance in agricultural products.The third chapter analyzes the current situation of rural microfinance, points out the characteristics of credit model and the problems faced by rural microfinance institutions.In the fourth chapter, through the questionnaire survey, the paper studies the main factors influencing the rural people's choice of credit products.In the fifth chapter, based on the research results, we design a new model of agricultural credit for rural commercial banks, and provide countermeasures for the development of commercial microfinance in commercial banks.

Key Words: Rural credit;Microfinance;Inclusive Finance; Internet Finance

目 录

摘 要 I

ABSTRACT II

第一章 绪 论 1

1.1 研究背景 1

1.2 研究方法 2

1.3 我国发展农产品小额信贷的作用与意义 3

1.3.1作用 3

1.3.2发展小额信贷的意义 3

第二章 农村小额信贷的分析介绍 5

2.1 小额信贷的定义 5

2.2 农村小额信贷概述 5

2.2.1发展现状 5

2.2.2特点 6

2.3 国内外研究现状 8

第三章 我国农村小额信贷的发展现状 12

3.1 我国与国外农村小额信贷的模式比较分析 12

3.1.1国外的农村小额信贷模式 12

3.1.2 国内农村小额信贷模式 16

3.2 我国农村小额信贷存在的问题 18

第四章 农村小额信贷的调查分析 20

4.1 调查问卷的设计与数据来源 20

4.2 数据分析 20

4.3 调查结果的交叉分析 24

4.4 本章小结 25

第五章 针对农商行存在问题的优化建议 27

5.1 创新农村小额信贷模式 27

5.2 国家加大农村小额信贷支持力度 28

5.3 服务重心下移 30

5.3.1加强信贷员队伍建设 30

5.3.2加强主人翁意识 30

第六章 总结和展望 32

6.1 研究的总结 32

6.2 研究的展望 32

参考文献 34

附 录 37

致 谢 43

第一章 绪 论

1.1 研究背景

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