1、 I 摘 要 小额信贷不仅仅是一种金融服务的创新,更是一个重要的扶贫方式。 随着 国家金融改革的深入,1999 年以来农村地区的小额信用贷款在中国人民银行 在大力推进下,取得很好的成绩。 本文通过对农业银行五大连池龙镇分理处小 额信贷业务发展的现状,深入剖析了农业银行五大连池龙镇分理处自身特点 以及目前所面临的市场环境； 在借鉴外国金融机构发展模式的分析的结论下, 借助商业银行市场定位以及竞争环境分析等理论研究成果对农业银行小额信 贷产品中出现的问题以及问题产生的原因进行粗浅的剖析,并对其发展的对 策进行探讨。 本文主要从农业银行五大连池龙镇分理处自身实际出发,分析该 分理处从事小额信贷的优势
2、以及所受到内外环境的影响,提出农业银行小额 信贷是自身发展和五大连池市农村金融市场发展的必然趋势。本文不足之处 在于由于掌握的资料有限,部分专业理论,同业数据难以收集,因此在实证分 析感觉不太充分,今后需要进一步加强。 【关键词】【关键词】 农业农业银行银行五大连池龙镇分理处五大连池龙镇分理处 农村农村 小额信贷小额信贷 II Abstract Microfinance is more than a financial service innovation, is a important way of poverty alleviation. Along with the national f
3、inancial reform deeply, since 1999 the rural areas of microcredit loans in the peoples bank of China to promote in the next, and get a good result. This article through to the agriculture bank five dalian ChiLong town a small local branch the present situation of the development of small credit busi
4、ness, this paper explores the agricultural bank five dalian ChiLong town a small local branch of its own characteristics and faced with the market environment; In reference to foreign financial institutions development pattern analysis that, with the aid of commercial bank market position and compet
5、itive environment analysis theory researches on the agriculture bank microfinance product problems in question and the causes for the occurrence of the elementary analysis, and its developing countermeasures are discussed. This article mainly from the agriculture bank five dalian ChiLong town a smal
6、l local branch reality itself, and analysis the engaged in a small local branch and advantage of microfinance by the influence of the external and internal environment, this paper puts forward agricultural bank microcredit is their own development and the five dalian city pool rural financial market the inevitable trend of development. This paper is due to insufficient in the material master limited, part of the professional theory, trade data is difficult to collect, so in the empirical analy
