摘要:自江苏省农村开展小额信贷业务以来得到了快速发展，加快了农村经济增长的步伐。但是其在发展过程中也面临着一些问题。因此，如何完善这些就显得十分重要。文章从基本现状入手，首先阐述江苏省农村小额信贷的发展现状；然后分析江苏自发展小额信贷业务以来，促进了农村经济的增长；接着指出虽然小额信贷能加快农村经济的增长，但由于其发展时间较短，所以对其在发展过程中暴露出来的问题进行分析：小额信贷资金来源不足、政府对利率管制较严格、小额信贷品种单一、小额信贷风险控制体系不完善；最后为了使江苏小额信贷业务能够可持续发展，应拓展资金来源渠道、提高小额信贷利率的市场化程度、加强对信贷产品的创新、加强农村金融立法，完善小额信贷的监管。50469

毕业论文关键词：小额信贷  农村经济增长  可持续发展

Research on the development of micro finance business in Jiangsu Province

Abstract:since the jiangsu province rural microfinance business has been rapid development, accelerated the pace of rural economic growth. But it is faced with some problems in the process of development. Therefore, how to perfect these appear very important. The article, from the basic status quo firstly, rural microfinance development present situation of jiangsu province; Then analysis of jiangsu since the development of microfinance, promotes the rural economic growth; Then it is pointed out that although microfinance can speed up the rural economic growth, but because of its development time is shorter, so in the process of its development in the analysis of exposed problems: lack of microfinance funding sources, the relatively strict interest rate regulation, microfinance varieties of a single, imperfect microfinance risk control system; Finally in order to make the jiangsu microfinance can sustainable development, should expand channels of funding sources, improve the marketization degree of microcredit interest rates, to strengthen the innovation of credit products, to strengthen the rural financial legislation, perfecting the regulation of the microfinance.

Keywords: Microfinance; Rural economic growth; The sustainable development

目　录

一、 绪论 ..1

   （一）研究背景..1  

   （二）文献综述..2                         

二、江苏小额信贷的发展现状..3

（一）金融机构小额信贷基本情况..4

（二）小额贷款公司信贷业务基本情况..5

三、小额信贷促进了江苏农村经济的增长..6

 （一）缓解了扶贫压力….…..…..….6

 （二）促进农村金融创新、改善农村信用结构….…..…7

   （三）有利于农林牧渔业的发展…..…..8

   （四）改善了农民的就业问题…....…..…9

   （五）结论.10

四、江苏小额信贷发展过程中存在的问题.….…10

（一）小额信贷资金来源不足10

（二）政府对利率管制较严格...…..11

（三）小额信贷品种单一..….…11

（四）小额信贷风险控制体系不完善…..12

五、江苏小额信贷可持续发展的对策建议…..12

   （一）拓展资金来源渠道…...….…12

   （二）提高小额信贷利率的市场化程度..…13

   （三）加强对信贷产品的创新….....13

   （四）加强农村金融立法，完善小额信贷监管.…...14