昆山农村商业银行小额信贷运行机制及绩效评价

发布时间：2018-03-17 21:05

本文选题：昆山农村商业银行　切入点：小额信贷　出处：《南京农业大学》2013年硕士论文　论文类型：学位论文

【摘要】：发展小额信贷是缩小个人收入差距、解决区域发展不平衡和资源有限性等问题的重要手段。党的十八大报告再次强调,“加快发展现代农业,增强农业综合生产能力,确保国家粮食安全和重要农产品有效供给”。而农村的大力发展,农业基础设施的建设、对农民的扶贫以及农民创收渠道的扩充都需要大量的资金,而小额信贷不仅可以解决农村金融问题,同样可以支持农村的发展,为解决“三农”问题开辟出一条新的道路。关于小额贷款的运行机制和绩效评价问题,目前国内外专家学者已作了较为全面深入的研究,并取得丰硕的研究成果。但这些研究更多的是从宏观层面上进行研究,缺乏有针对性的实证性的研究。本文基于当前新的时代背景,在已有的研究成果的基础上,以昆山商业银行为具体研究对象,着重分析昆山商业银行小额信贷运行机制及绩效评价,着重探讨完善昆山商业银行小额信贷的建议对策,一方面是为促进昆山农村商业银行小额信贷的发展提供参考和借鉴,另一方面也是对农村小额贷款相关理论的丰富和发展。本文基本思路可分为三个层次,首先,从分析国际国内背景、理论研究背景入手,研究农村金融小额贷款的内涵、模式和意义,为深入研究和探讨完善昆山农村商业银行小额信贷的发展提供理论依据；其次,分析昆山农村商业银行小额贷款运行机制及绩效评价,为深入研究和探讨昆山农村商业银行小额信贷的发展提供现实依据；再次,学习借鉴国外银行小额信贷的发展模式和经验,探讨完善昆山农村商业银行小额贷款的对策建议。研究结果表明,实现农村商业银行小额信贷的科学发展,不仅需要多元化的资金来源、合理的市场化的利率水平,而且需要必要的风险控制和良好的内部运行机制。目前昆山农村商业银行小额信贷发展存在着市场份额减少、经营风险加大、农村信贷供给不足、配套中间业务不足、缺乏足够的政策支持、从业人员素质不高等问题,只有明确信贷发展定位、深化存量贷款管理、提高信贷服务质量、转变信贷发展方式,昆山农村商业银行小额信贷的发展才会更加稳健、更加持续、更加科学。
[Abstract]:The development of microcredit is an important means to narrow the income gap of individuals and solve the problems of imbalance in regional development and limited resources. The report of the 18 National Congress of the Communist Party of China emphasizes once again, "speeding up the development of modern agriculture and strengthening the comprehensive agricultural production capacity." To ensure national food security and the effective supply of important agricultural products ". However, the vigorous development of rural areas, the construction of agricultural infrastructure, the poverty alleviation of farmers and the expansion of farmers' income generation channels all require a large amount of funds. Microfinance can not only solve the rural financial problems, but also support the development of rural areas, and open a new way to solve the "three rural" problems. At present, experts and scholars at home and abroad have made more comprehensive and in-depth research on the operational mechanism and performance evaluation of microfinance, and have achieved fruitful results. However, these studies are mostly carried out from the macro level. Based on the background of the current new era, based on the existing research results, this paper takes Kunshan Commercial Bank as the specific research object. This paper focuses on the analysis of the operational mechanism and performance evaluation of micro-credit in Kunshan Commercial Bank, and probes into the countermeasures to perfect the micro-credit of Kunshan Commercial Bank. On the one hand, it provides a reference and reference for promoting the development of micro-credit in the rural commercial bank of Kunshan. On the other hand, it is the enrichment and development of rural microfinance theory. The basic idea of this paper can be divided into three levels. Firstly, from the analysis of the international and domestic background and the theoretical research background, the paper studies the connotation, mode and significance of the rural financial microfinance. In order to deeply study and explore the development of rural commercial banks in Kunshan to provide a theoretical basis for the development of microfinance; secondly, analyze the operating mechanism and performance evaluation of small loans of rural commercial banks in Kunshan. In order to deeply study and explore the development of rural commercial banks in Kunshan to provide a realistic basis for the development of microfinance; thirdly, learn from the development model and experience of foreign banks, explore the development of rural commercial banks in Kunshan small loans countermeasures and suggestions. The results show that the scientific development of micro-credit in rural commercial banks requires not only diversified sources of funds, but also a reasonable level of market-oriented interest rates. It also needs necessary risk control and a good internal operating mechanism. At present, the development of micro-credit in Kunshan Rural Commercial Bank has reduced market share, increased operational risks, insufficient supply of rural credit, and insufficient supporting intermediate business. Lack of sufficient policy support, poor quality of employees and other problems, only clear credit development positioning, deepen the stock of loans management, improve the quality of credit services, change the way credit development, Kunshan rural commercial bank microfinance development will be more stable, more sustainable, more scientific.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43

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