本文以 S 农村商业银行在小额贷款扶贫上的实践探索为样本。首先从理论的
视角出发，对小额贷款扶贫的理论内涵进行清晰的界定，以公共产品理论、金融
约束理论和金融排斥理论为基础，建立起一个小额贷款扶贫的理论分析框架，并
据此从理论上分析小额贷款扶贫的机制。其次，在概述 S 农商行小额贷款扶贫的
基本情况之后，利用 S 农商行小额贷款贫困农户数据对当地贫困农户的农业生产
等情况进行分析，总结 S 农商行小额贷款扶贫的效果与不足。在理论分析与案例
分析的基础上，利用福利评价模型，从贫困农户获得 S 农商行小额贷款后福利水
平变化的角度评价 S 农商行小额贷款扶贫绩效，研究表明：贫困农户的福利水平
在 S 农商行小额贷款的作用下得到显著的提升，农户的贫困问题明显有所改善
S 农商行通过提高小额贷款投入弥补了农业投入和农业生产率提高之间的存量
缺口，有效帮助贫困农户脱贫致富
为推进 S 农商行更好地服务“三农”，提升 S 农商行小额贷款的扶贫效果，
本文总结形成可操作性的政策建议，在优化 S 农商行小额贷款扶贫的内部环境方
面需要做到明确小额贷款目标定位，降低贫困农户贷款成本；延伸小额贷款支持
领域，完善小额贷款操作机制；建设信用管理机制，强化贷后监督。在改善 S
农商行小额贷款扶贫的外部环境方面需要做到：提升小额贷款认知，加强小额贷
款宣传；强化小额贷款引导，建立动态激励机制；加强小额贷款政策支持，推进
全面脱贫
关键词：农村商业银行；小额贷款；金融扶贫；绩效评估V
Abstract
The problem of rural poverty in China is highly concerned by the Communist
Party and the government of China for a long time, the Communist Party of China
Central Committee placed taking targeted measures to help people lift themselves out
of poverty into the 13th Five-Year by the end of 2015, improving people&39;s lives, to
achieving a comprehensive poverty is the basis of building a moderately prosperous
society, also is the security to achieving the great rejuvenation of Chinese nation.
Microfinance is undoubtedly an effective way among the methods of poverty
alleviation. Based on the capital mechanism, microfinance solved the financing
problem of poor people, provide support to poor people, so that they are not
constrained by funding, and to cultivate their self-development ability, finally make
them out of poverty. However, as the main of microfinance to help the poor, the rural
commercial banks off the target owing to the interests. It is a useful supplement to the
poverty alleviation and development work in the context of precise poverty alleviation
to reasonably evaluate the poverty alleviation performance of microfinance in rural
commercial banks and improve the effect of microfinance to poverty alleviation in
rural commercial banks.
In this paper, as a simple, microfinance on the practice of poverty alleviation in S
rural commercial bank. First, from the theoretical perspective, this paper clearly
defined the theoretical connotation of microfinance, based on the public goods theory,
the theory of financial restriction and the financial exclusion theory, established a
microfinance theoretical framework, and theoretically analyzed the mechanism of
microfinance to poverty alleviation. Secondly, after summarizing the basic situation of
microfinance in S rural commercial bank, this paper analyzed the agricultural
production of local poor farmers by the poor farmers data of microfinance in S rural
commercial bank, summed up the effect and shortcomings of the microfinance in S
rural commercial bank. Based on the theoretical analysis and case analysis, this paper
used the welfare model, to evaluate performance of the microfinance to poverty
alleviation in S rural commercial bank from the perspective of the welfare changed
for poor farmers, research shows that poor farmers&39; welfare level significantly raised
by the microfinance in S rural commercial bank, the farmer’s poverty problems
significantly improved. S rural commercial bank to make up for the gap of
agricultural investment and agricultural productivity by improving the investment ofVI
microfinance, effectively help poor farmers out of poverty.
In order to promote S rural commercial bank to serve the agriculture, rural areas
and farmersbetter, and enhance effect of microfinance to poverty alleviation in S
rural commercial, this paper summarizes the feasible policy recommendations by
follows, in the optimization of internal environment of microfinance to poverty
alleviation in S rural commercial bank need to be clear the development orientation of
microfinance, reduce the cost of poverty farmers; extend the support field of
microfinance, improve the operational mechanism of microfinance; construct the
mechanism of credit management, enhance the benefits for farmers. In the
improvement of external environment of microfinance to poverty alleviation in S rural
commercial bank need to enhance the cognition of microfinance, strengthen the
propaganda of microfinance; strengthen the guide of microfinance, expand the effect
of poverty alleviation; strengthen the policy support of microfinance, promote
comprehensive poverty alleviation.
Key Words：Rural Commercial Bank; Microfinance; Financial Poverty Alleviation;
Performance EvaluationVII
目 录
摘要.....III
AbstractV
第 1 章 绪论......1
1.1 研究背景..........1
1.1.1 小额贷款与贫困. 1
1.1.2 我国小额贷款发展历程 1
1.1.3 小额贷款与农村商业银行........ 3
1.2 研究意义..........4
1.2.1 理论意义 4
1.2.2 现实意义 4
1.3 国内外相关研究文献综述......4
1.3.1 小额贷款与贫困研究.... 4
1.3.2 贫困农户小额贷款的需求研究 6
1.3.3 小额贷款扶贫绩效评价研究.... 6
1.4 研究内容与总体框架..7
1.5 研究方法..........9
1.6 创新之处........10
第 2 章 小额贷款扶贫的理论基础....11
2.1 小额贷款扶贫的理论内涵....11
2.1.1 小额贷款的内涵界定...11
2.1.2 小额贷款扶贫的前提假设...........
。。。以上简介无排版格式，详细内容请下载查看
==>>