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中文题名:

 小额信贷对女性创业支持的研究    

姓名:

 马英    

学科代码:

 125200    

学科专业:

 公共管理硕士    

学生类型:

 硕士    

学位:

 公共管理硕士    

学位年度:

 2011    

校区:

 北京校区培养    

学院:

 管理学院    

研究方向:

 社会保障    

第一导师姓名:

 狄增如    

第一导师单位:

 北京师范大学    

提交日期:

 2011-05-24    

答辩日期:

 2011-05-21    

外文题名:

 Study on the support of micro-credit for female self-starters    

中文摘要:
小额信贷自上世纪70年代产生以来,在发展中国家得到了快速发展,为发展中国家贫困群体(尤其是女性贫困群体)摆脱贫困发挥了巨大作用。20世纪90年代以来,我国开始引进并推广这种模式,并于2009年出台了针对女性创业就业的小额贷款支持政策,但因政策的设计、运行机制和地方政府理解程度等方面的原因,小额信贷对女性的支持并没有达到政策所希望的理想效果。因此,本文以公共管理学、公共经济学和公共政策分析有关理论为基础,通过搜集整理与分析相关资料、数据,研究小额信贷发展的现状和女性创业对小额信贷的需求,找出制约小额信贷对女性创业支持的深层次原因,并以此为切入点,深入分析小额信贷对女性创业支持的途径和方法。
外文摘要:
Micro-credit had been developing rapidly in developing countries since 1970s, which had played an important role in shaking off poverty of poor group in these countries, specially for the female poor group..In 1990s, China began to introduce and promote this model, and makes policy of micro-credit to hold out female self-starters. Because of design, operation mechanism and understanding of local government about the policy, it did not achieve the desired effect. So based on the theory of Public Administration, Public Economics and Public Policy Analysis, by collecting and analysising relevant information and data, this paper researchs the development status and the needs of micro-credit to establish business in the group of women, then to identify constrained factors for femanl self-starters using micro-credit . And taking these reasons as a starting point, we try to find the ways and methods to solve the problem. In this paper, firstly, we introduce the successful experience of forengn micro-credit, and then we find that the support of government policy, the unique lending process, thorough security mechnism and accurate market positioning had fufilled important funtions for their success. All of these practices are good for us. We next analysis the development status of female micro-credit, and find out the outstanding problems in the development of micro-credit that involves insufficient supply of micro-credit funds, single of loan products, imperfect guarantee system, irregulaf loans process, loans with high threshold and women's own low quality. At last, to solve the problems of micro-credit supporting for women entrepreneurs, we give five constructive proposals as follows: First, to further consummate the policy and broaden the sources of fund; Second, it should provide a wide range of financial products; third, consummating guarantee system and establishing Credit evaluation system; Four, to strengthen women's professinal skills and increase financial knowledge; and last, optimizing the external environment of miric-credit to support female self-starters. Using above measures, miric-credit will be the import force in boosting female entrepreneurship.
参考文献总数:

 42    

馆藏号:

 硕490100/1104    

开放日期:

 2011-05-24    

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