【摘要】 文章以通过长期演化而在世界范围内获得普遍认可的小额信贷典型机制和相应理论为规范,以实际调研获取的数据资料为佐证,力图规范分析和经验实证中国农业银行西藏自治区分行和西藏扶贫基金会在西藏农牧区开展小额信贷近10年所取得的成效。研究发现,在覆盖率和扶贫方面取得良好成效的同时,由于机构自身的性质和西藏农牧区经济的显著差异性,农行西藏分行和西藏扶贫基金会的小额信贷分别存在定位模糊、激励不足和拓展困难等问题。据此作者提出明确农行西藏分行的商业化定位,鼓励邮政银行西藏分行开展小额信贷以促进竞争和培育政策性小额信贷机构的政策建议。更多还原

【Abstract】 This thesis used the generally accepted framework of well-evolved microfinance mechanism model and relevant theory in the world as a basic tool,and collected certain number of datas through structured interview,tried to use quantitative way under this framework to evaluate ABC and TPAF’s performance in ten years interims of microfinance practice in the rural agricultural and animal husbandry communities of TAR.According to the survey,the authors found that they have fine outcome as coverage rates and poverty alleviation aspect.But due to characteristic of organization itself as well as distinctive economic condition among those areas,ABC and TPAF’s microfinance have some problems,for instance: positioning confound,stimulation is not enough,hard to promote new approach and so on.Therefore they made countermeasural policy suggestions as follows: 1、Clear up ABC’s commercialized positioning;2、encourage bank of postal branch in TAR start to carry out microfinance in order to promote competition;3、cultivate some policy-oriented microfinance organization.更多还原