摘要农村小额信贷是指向农村人口提供额度较小而且持续的信贷服务。农村小额信贷的可持续发展是小额信贷机构可以实现财务上与机构上的持续发展，是指小额信贷机构是否能够长期发展，其可持续发展程度可以用特定指标来度量。针对当前我国农村小额信贷发展存在资金来源有限，利率设定困难，产品设计单一，风险监控不足，相关法律欠缺等问题，本文运用SWOT分析法，对影响我国农村小额信贷可持续发展的因素进行梳理。结论是要扩大资金来源，健全农村小额信贷的运营机制，推进利率市场化，加强多方面的监管，同时也要进一步完善风险控制机制。64841

关键词  农村小额信贷  可持续发展   SWOT分析   

毕业论文外文摘要

Title  The analysis of factors influencing the sustainable  developmentof China rural microcredit

Abstract Rural microcredit is a sustainable credit service of small amount provided for rural people.The sustainable development of China rural microcredit is that microcredit institutions can achieve sustainable development both in finance and mechanism.It means  microcredit institions whether can develop for a long term or not.And the degree of sustainable development can be measured by specific index.Many factors influence the development of China rural microcredit,such as limited financial resources,difficulty in setting interest rates,simple product design,risk control deficiencies,lack of relevant legal issues and so on.This paper use SWOT analysis and sort out the factors influencing the sustainable development of China rural microcredit.The conclusion is to expand financial resources,improve the rural microcredit operation mechanism,promote the interest rate market-oriented,strengthensupervision,and also to further improve risk control mechanism.

Keywords   microcredit in rural areas   sustainable development SWOT analysis

目  次

1 引言 1

1.1 研究背景及意义 1

1.2 相关概念界定 1

1.3 本文结构 2

2  文献综述 2

2.1 小额信贷可持续发展度量及意义 2

2.2 影响农村小额信贷可持续发展的因素 4

2.3 小额信贷可持续发展的政策措施 4

2.4 本章小结 5

3 农村小额信贷主要模式比较 6

3.1 GB模式 6

3.2 BRI-UDS模式 6

3.3 两种模式的比较及启示 7

3.4 两种信贷模式对我国小额信贷的影响 8

4 我国农村小额信贷可持续发展的SWOT分析 8

4.1 我国农村小额信贷可持续发展现状 8

4.2 我国农村小额信贷可持续发展的优势 （Strenthen） 8

4.3 我国农村小额信贷可持续发展的劣势(Weaken) 9

4.4 我国农村小额信贷可持续发展的机遇(Oportunity) 11

4.5 我国农村小额信贷可持续发展的挑战(Threate) 11

4.6 本章小结 12

5 促进我国农村小额信贷可持续发展的政策建议