党中央国务院高度重视发挥农村金融在服务三农中的核心作用，指导地方商 业银行、政策性银行支持和发展小额信贷，并逐步探索建立符合我国国情的小额 信贷公司、村镇银行、资金互助合作社等模式，希望其成为金融毛细血管，向各 类微型经济主体输送资金血液。而在上述机构之中，农村信用社历来承担着普惠 金融的重任，对地方金融的发展有着无可替代的重要性。 长期以来，中小企业、涉农领域及社会弱势群体融资难是全球经济社会发展 所面临的共同难题。为解决中小微企业、个体工商户、农户融资难问题，政府相 继出台多项措施，要求银行在信贷政策、额度、体制等方面加强对小额信贷的管 理，切实改进内部机制体制，增强服务意识，提高小额信贷可获得性。在监管部 门政策指引下，FC农信社小额信贷业务发展迅速，取得了一定成效，但是总体 来说，在小额信贷业务开展过程中仍然存在一定问题，尤其是作为农村信用社， 受限于我国农村金融体制仍不完善、农村金融服务不足、农村资金外流严重等宏 观环境，从而使小额信贷发展还有一定差距。 本文以FC农信社小额信贷业务为研究对象，通过对FC农信社小额信贷业务 现状和发展趋势阐述，分析当前宏观环境、欧亿·体育（中国）有限公司环境，明确FC农信社在业内地 位，并通过对小额贷款业务分析，归纳出业务发展中存在的问题，在此基础上提 出相应的对策，让FC农信社的小额信贷业务健康有序发展。 【关键词】农信社；小额信贷；发展策略 III Abstract TheCPCCentralCommitteeandtheStateCouncilattachgreatimportanceto givingfullplaytothecoreroleofruralfinanceinservingagriculture,ruralareasand farmers,guidinglocalcommercialbanksandpolicybankstosupportanddevelop microcredit,andgraduallyexploringtheestablishmentofmicrocreditcompanies, villagebanks,mutualfundcooperativesandothermodelsinlinewithChina'snational conditions,hopingthattheywillbecomefinancialcapillariesanddelivercapitalblood tovariousmicroeconomicentities。Amongtheabove-mentionedinstitutions,rural creditcooperativeshavealwaysundertakenthetaskofInclusiveFinance,whichisof irreplaceableimportancetothedevelopmentoflocalfinance. Foralongtime,thefinancingdifficultiesofsmallandmedium-sizedenterprises, agriculturerelatedfieldsandsocialvulnerablegroupsarethecommonproblemsfaced bytheglobaleconomicandsocialdevelopment.Inordertosolvethefinancing problemsofsmallandmedium-sizedmicroenterprises,individualindustrialand commercialhouseholdsandfarmers,thegovernmenthassuccessivelyissueda numberofmeasures,requiringbankstostrengthenthemanagementofmicrocreditin termsofcreditpolicy,creditline,system,etc.,effectivelyimprovetheinternal mechanismandsystem,enhanceserviceawareness,andimprovetheavailabilityof microcredit.Undertheguidanceofregulatorypolicies,FCruralcreditcooperatives' microcreditbusinesshasdevelopedrapidlyandachievedcertainresults,butonthe whole,therearestillsomeproblemsintheprocessofmicrocreditbusiness development,especiallyasaruralcreditcooperatives,limitedbythemacro environmentofChina'sruralfinancialsystemisstillimperfect,theruralfinancial servicesareinsufficient,andtheruralcapitaloutflowisserious,whichmakesFC ruralcreditcooperativessmallThereisstillacertaingapinthedevelopmentofcredit. Inthispaper,FCruralcreditcooperativesmicrocreditbusinessastheresearch object,throughtheelaborationofthecurrentsituationanddevelopmenttrendofFC IV ruralcreditcooperativesmicrocreditbusiness,analysisofthecurrentmacro environment,industryenvironment,clearFCruralcreditcooperativesintheindustry position,andthroughtheanalysisofmicrocreditbusiness,summeduptheproblems inbusinessdevelopment,onthisbasis,putforwardthecorresponding countermeasures,letFCruralcreditcooperativesmicrocreditbusinessdevelopsina healthyandorderlyway. Keywords:RuralCommercialBank;RuralCreditUnion;Micro-loanbusiness; Developmentstrategy V 目录 摘要..............................................................................................................................II Abstract......................................................................................................................III 一、绪论......................................................................................................................1 （一）研究背景....................................................................................................1 （二）研究目的和意义........................................................................................1 （三）国内外研究现状........................................................................................1 1.国外研究现状............................................................................................1 2.国内研究现状............................................................................................3 3.述评............................................................................................................4 （四）研究内容与方法........................................................................................5 1.研究内容....................................................................................................5 2.研究方法....................................................................................................7 （五）论文特色....................................................................................................7 二、相关理论基础......................................................................................................8 （一）小额信贷的制度主义和福利主义............................................................8 1.制度主义....................................................................................................8 2.福利主义....................................................................................................8 （二）信息不对称理论........................................................................................9 （三）信贷配给理论............................................................................................9 三、FC农信社小额信贷业务发展环境分析.............................................................11 （一）宏观发展环境..........................................................................................11 1.政策环境分析..........................................................................................11 2.经济环境分析..........................................................................................12 3.社会环境分析..........................................................................................14 VI 4.技术环境分析..........................................................................................15 （二）中观发展环境..........................................................................................17 1.全国农信社整体情况..............................................................................17 2.全省农信社整体情况..............................................................................17 2.全县农信社运行情况..............................................................................18 （三）微观发展环境..........................................................................................20 1.业务发展优势分析..................................................................................20 2.业务发展劣势分析..................................................................................22 3.业务发展机会分析..................................................................................23 4.业务发展威胁分析..................................................................................23 四、FC农信社小额信贷业务发展现状.....................................................................27 （一）FC农信社发展概况.................................................................................27 1.发展历程..................................................................................................27 2.网点分布..................................................................................................27 3.资产负债..................................................................................................28 4.组织结构..................................................................................................29 （二）小额信贷发展现状.................................................................