关键词:包商银行达茂旗惠农贷款公司;农户小额贷款;农业保险摘要

“农村、农民、农业”问题始终是困扰中国经济持续、快速和健康发展的重

要课题。“三农”问题不能彻底解决,其他方面发展再快,整个经济还是要受到

一定制约的,三农问题与我国农村农户小额信贷没有得到充分解决是分不开的。

自20世纪60年代末起,孟加拉国的默罕默德尤诺斯博士开始了小额信贷的尝试。

20世纪90年代,我国开始学习和借来鉴其他发展中国家在小额信贷方面的一

些成功经验。联合国将2005年定为小额信贷年,2006年孟加拉国乡村银行及其

创始人荣获诺贝尔和平奖更是引发“尤诺斯冲击波”。我国政府越来越重视小额

信贷在农村地区的扶贫作用。

本文论述中主要从以下几个方面入手。首先,文章以农村小额贷款的一般理

论为依据,阐述了农村小额贷款的基本概念和特点,在此基础之上,介绍了农村

小额贷款可持续发展的涵义及特点,并介绍了农村金融的相关理论,以后文的研

究做理论上的支撑。接下来本文介绍了包商银行达茂旗惠农贷款公司的基本情

况,以及包商银行农户小额贷款在发展过程中存在的问题,并对存在的问题进行

了成因分析。分析中发现,目前包商银行达茂旗惠农贷款公司农户小额贷款在发

展中存在的问题主要有服务范围过大,导致机构和人员都相对不足;信用额度小,

难以满足客户的实际需求;贷款期限短,信贷资金得不到充分的利用;服务产品

创新力不足;贷款用途与实际用途不符;清收存在一定的困难,难度较大。造成

这些问题的原因既有内部的也有外部的。然后本文以达茂旗为例,对包商银行达

茂旗惠农贷款公司的农户小额贷款为农民增收带来的实际影响进行了实证分析,

分析表明,包商银行达茂旗惠农贷款公司的农户小额贷款业务在发展中虽然存在

着一些个问题,但它为农民的增收确实起到了非常重要的积极作用。本文最后通

过对我国其他省份的农村小额贷款业务发展情况的介绍,总结其发展经验,并分

析出其对包商银行达茂旗惠农贷款公司农户小额贷款的启示。在此基础之上,针

对前文提出的包商银行达茂旗惠农贷款公司农户小额贷款在发展中存在的问题,

提出了对策和建议。

在研究过程中阅读了大量的参考文献,并综合运用比较分析法和实证分析与

规范分析相结合的方法,概括了农村小额贷款的基本概念和相关理论,并对包商

银行达茂旗惠农贷款公司农户小额贷款的发展进行了分析和总结,最后提出发展

建议。具有一定的针对性和实用性,对包商银行达茂旗惠农贷款公司和我国其他

城市商业银行更好的开展小额贷款业务具有较强的指导意义。Abstract

ABSTRACT

Studies on the Development of Farmer Microfinance of Huinong Baoshang

BANK.lt is a concern thing that Three Rural issue is a hot issue in recent years .The

key of the ”three rural ” issue is to increase farmers' income,improve their living

standards and change rural environment .Rural microfinance is a new poverty

alleviation means. Through constantly thinking and innovation, it becomes the fruits

of the traditional tool for poverty alleviation,and its emergence and development have

provided some indispensable and positive ways to solve the problem of the three

rural .From 2005 to now, farmers microfinance business of Harbin bank obtains

good result. It is an important significant to the development of rural microfinance in

Inner Mongolia Province.

Firstly,according to the general theory of microfinance in rural areas, this paper

describes the basic concepts and features of the microfinance in rural 舉eas,and base

on it,introduces the meaning and characteristics for the sustainable development of

rural microfinance,related finance theory. These are to do the support for the rest of

article. Secondly, introduce the Huinong Baoshang Bank as well as the problems with

its farmer microfinance development, and analyses the cause of problems. The

analysis found that the problems of the farmers of Huinong Baoshang Bank

microfinance in the developing range of services is too large, the i冒titutions and

personnel are relatively insufficient; small credit limit,it is difficult to meet the actual

needs of customers ; short term of the loan,the credit funds not fully utilized

innovative service products ; use of the loans are inconsistent with the actual use

collection there are some difficulties .The reasons for these problems both internal and

external .Then the A District, Baotou City, for example, the practical implications of

Huinong Baoshang Bank of fanners small loans for farmers to increase the empirical

analysis showing that, Huinong Baoshang Bank of fanners small loans business in the

development of the existence of some questions,but it is the farmers' income does

play a very important positive role .Finally, through the introduction of other

developed provinces in China's rural microfinance business development summarizes

the development experience, and analysis of its revelation of Huinong Baoshang Bank

farmers microfinance .On this basis, the Harbin Bank farmers microfinance

previously existing problems in the development of proposed countermeasures and