新建农商行“支农支

发布时间：2018-01-01 17:18

本文关键词：新建农商行“支农支小”贷款管理问题研究　出处：《江西农业大学》2016年硕士论文　论文类型：学位论文

【摘要】：当前国家高度关注的“三农”问题是指城市与农村发展不同步,结构不协调。随着农产品种类和产量的加大,农村出现了供大于求,农民收入低、贷款难的现象,为缓解此现象,江西省农村信用社(农商银行)提出了“支农支小”的贷款项目,该项目主要服务对象是农户和小微企业,以其信用为据进行信贷发放。“支农支小”贷款作为一项重大政策,不仅能增强信贷支农功能,也能解决农户贷款难的困境。但是“支农支小”贷款在快速发展的过程中也存在一些问题。首先,农商行所面对的贷款客户主要是比较落后的农民、农户,贷款对象的不成熟造成贷款风险高且贷后管理较难;其次,农商行本身存在着政策包袱过重、体制不健全、内部管理较差等问题,在“支农支小”贷款的发放和运行中存在着许多理论和实践上的不足。本文主要意义在于通过实际案例以新建农商行“支农支小”贷款管理中存在的问题进行研究,总结出“支农支小”贷款管理优化的措施,从而使农村信用社能更好地进步,促进农村金融的科学发展。针对上述目的,本文主要从农商行“支农支小”贷款管理和发放现状等方面来研究,以新建农商行为例,对新建农商行“支农支小”贷款的总体发展情况进行介绍,包括区域经济状况与行业竞争分析、农户和小微企业对“支农支小”贷款的需求情况等。主要运用数据统计分析法介绍新建农商行“支农支小”贷款发放规模及市场占比,农商行企业经营思想、贷款服务对象、贷款机制、金融产品等方面介绍新建农商行“支农支小”贷款管理情况,并且结合国内外银行贷款发放和管理方面的经验,通过前面章节的理论研究及统计分析,对管理各个方面深入研究,从而提出好的管理对策。
[Abstract]:At present, the problem of "agriculture, countryside and farmers", which is highly concerned by the country, is that the development of city and countryside is out of step and the structure is not in harmony. With the increase of agricultural products and output, the supply in rural areas exceeds the demand, and the farmers' income is low. In order to alleviate this phenomenon, Jiangxi Rural Credit Cooperatives (RCCs) put forward the loan project of "supporting Agriculture and supporting small branches", which mainly serves farmers and small and micro enterprises. As an important policy, the loan can not only strengthen the function of supporting agriculture, but also strengthen the function of supporting agriculture. But there are some problems in the process of the rapid development of the loan. First of all, the loan customers are mainly backward farmers, farmers. The immaturity of the loan object leads to the high risk of the loan and the difficulty of the management after the loan; Secondly, there are some problems such as excessive policy burden, imperfect system, poor internal management and so on. There are many theoretical and practical deficiencies in the issuance and operation of the loan. The main significance of this paper is to build a new agricultural and commercial bank "supporting agriculture branch small" through practical cases. The problems in loan management are studied. This paper summarizes the measures to optimize the loan management of "supporting agriculture and supporting small" loans, so that rural credit cooperatives can make better progress and promote the scientific development of rural finance. This article mainly from the agricultural commercial bank "support agriculture branch" loan management and the present situation and so on aspect studies, takes the new agriculture commercial bank as an example, carries on the introduction to the new agriculture commercial bank "support the agriculture branch" the loan overall development situation. Including the regional economic situation and industry competition analysis. The paper mainly introduces the scale and market proportion of the new agricultural bank's "supporting agriculture branch small" loan and the management thought of the agricultural and commercial bank by using the statistical analysis method of data on the demand of farmers and small enterprises to the loan of "supporting agriculture branch". Loan service object, loan mechanism, financial products and other aspects of the new agricultural bank "support agricultural support small" loan management situation, and combined with the domestic and foreign bank loan issuance and management experience. Through the theoretical research and statistical analysis of the previous chapters, this paper makes a thorough study of all aspects of management and puts forward good management countermeasures.
【学位授予单位】：江西农业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35

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