摘要：我国政府及监管部门在近几年都出台了一系列的宏观经济政策和金融政策,引导金融资源的优化配置、引领资源的合理流动方向，来改善中小企业和个人的融资难问题的现状。同时,利率市场化的迅速推进使得银行业加速业务转型,小额信贷业务市场对银行业也具有更加重要的意义。银行业战略转型和市场竞争的需要,使银行业逐渐重视小额信贷业务。小额信贷的发展动力由原来的政策驱动型正逐渐转变为市场机制驱动型,由原来的监管要求做小微贷款业务正逐渐转变为银行主动做小额信贷业务。小额信贷业务是当今金融领域的重大议题,越来越多的国家和银行都对它加大了关注和认可度。在我国银行业，小额信贷项目同样也被视为实现可持续发展的重要课题。虽然目前小额信贷业务正在积极开展,但是由于有关小额信贷的实践开始较晚，因此对商业银行小额信贷的发展进行指导的文献还相对较少。未来，我国小额信贷市场具有广阔前景,商业银行应该及早进入。本文首先介绍了小额信贷的基本概念，然后论述小额信贷在我国的开展，然后提出我国商业银行开展小额信贷业务的必要性，再根据我国商业银行小额信贷业务发展存在的问题，有针对性地提出了相应的解决措施，最后在政策引导上给出了一定的建议。35735
毕业论文关键词：商业银行 小额信贷 发展现状 政策引导
The Development and Policy Guidance of Micro Credit of Commercial Banks
Abstract: The government and regulatory authorities in China have issued a series of macro economic and financial policies to guide the allocation and the direction of financial resources with a view to help small medium-sized enterprises and inpiduals to solve the financial problem . At the same time, the rapid development of the interest rate liberalization makes the banking sector accelerate business transformation, and micro credit is becoming more and more important to banking market. To meet the needs of the market competition and the strategic transformation of banking industry, the banking industry gradually realized the importance of small business loans. The motivation of the development of micro credit driven by policy is gradually transformed into the one driven by market mechanism. The banks gradually take the initiative to develop micro credit. Micro credit as a major issue in the international financial field has been recognized and accepted by more and more countries and banks . The sustainable development of micro credit project is also an important task to Chinese banking industry. Micro credit begun in China lately. Although it is developing , the researches to guide the work are relatively few . In the future, micro credit of Chinese market demand is still very vast, and technology is the insurance of the project’s sustainable development. This paper first introduces the basic definition of micro credit , and then extends from the development of micro-finance to the development of Chinese micro credit of banking industry. At last, it analyses the necessity of Chinese banking industry to carry out micro credit business, and the development status of micro credit of commercial bank in our country as well. According to the problems existing in the development, this paper puts forward the corresponding measures of the policy guidance.
Key Words: commercial banks,Micro credit,development status, policy guidance
目录
一、 导 论 1
（一）选题背景与研究意义 1
（二）文献综述 2
（三） 研究方法 4
二、小额信贷概述 4
（一）小额信贷的含义 4
（二）小额信贷的组织形式 4
（三）小额信贷的特征 5 商业银行小额信贷业务的发展和政策引导:http://www.751com.cn/jingji/lunwen_33822.html