莱芜市农村信用社小额农贷的风险控制研究

发布时间：2018-05-10 05:54

本文选题：小额农贷 + 信贷风险　；参考：《山东大学》2013年硕士论文

【摘要】：小额农贷起源于20世纪60年代的亚非拉发展中国家和地区,经过几十年的发展,已经成为缓解贫困、促进就业的有效方式,它在农村金融领域中已经发挥出越来越重要的作用。我国小额农贷的发展起步相对比较晚。小额农贷在经过三十年的发展后,特别是2005年以后,在各级政府部门的推动下,农村金融机构的小额信贷业务全面展开,并且迅速发展。小额农贷在拓宽资金运用渠道、缓解农村金融市场资金压力、优化农村金融机构业务结构等方面起到了积极的作用。但是,也应该看到,小额农贷发展还存在一定的风险,如普遍存在抗风险能力差、信息不对称、管理不到位、制度不健全等特点,从而使得小额农贷普遍存在比较高的潜在违约风险。我国在大力发展农村小额信贷,支持农业生产的同时,如何根据农户融资方式和风险特征采取行之有效的风险防范措施,在农村经济法中实现农户与金融机构的双赢,具有重要的现实意义。本文采用理论分析与实证分析相结合的方法,并且在实证过程中结合莱芜市农村信用社小额农贷的发展现状对该社面临的信贷风险进行分析。本文共分为六章,第一章为绪论,第二章为莱芜市农村信用社小额农贷发展的现状,第三章对莱芜市农村信用社小额农贷的业务流程以及存在风险的原因进行剖析,第四章首先介绍莱芜市农村信用社小额农贷风险控制流程,然后构建农户信用评级模型,最后采用个案分析检验信用评级模型的有效性,第五章在理论分析与实证分析的基础上,针对莱芜市农村信用社小额农贷风险管理的具体情况,提出相关政策建议,第六章总结本文的主要结论,并且指出了本文存在的不足之处,以求改进。
[Abstract]:Microfinance originated in the developing countries and regions of Asia, Africa and Latin America in the 1960s. After decades of development, it has become an effective way to alleviate poverty and promote employment. It has played a more and more important role in the field of rural finance. The development of small agricultural loans in China started relatively late. After 30 years of development, especially after 2005, the microfinance business of rural financial institutions has been launched in an all-round way and developed rapidly under the promotion of government departments at all levels. Small-scale agricultural loans play a positive role in widening the channels of fund utilization, alleviating the pressure on rural financial market funds, optimizing the business structure of rural financial institutions, and so on. However, it should also be noted that there are still certain risks in the development of small agricultural loans, such as poor ability to resist risks, asymmetric information, inadequate management, imperfect system, and so on. As a result, small agricultural loans generally exist relatively high potential risk of default. While developing rural micro-credit and supporting agricultural production, how to take effective risk prevention measures according to farmers' financing mode and risk characteristics, so as to realize the win-win situation between farmers and financial institutions in rural economic law. It has important practical significance. This paper adopts the method of combining theoretical analysis with empirical analysis, and analyzes the credit risk faced by Laiwu Rural Credit Cooperative in the light of the present situation of its development. This paper is divided into six chapters, the first chapter is the introduction, the second chapter is the current situation of Laiwu Rural Credit Cooperatives' development of small agricultural loans, the third chapter analyzes the business process and risk reasons of Laiwu Rural Credit Cooperatives' small agricultural loans. The fourth chapter first introduces the risk control process of Laiwu Rural Credit Cooperatives, then constructs the farmer credit rating model, and finally uses case analysis to test the validity of the credit rating model. The fifth chapter on the basis of theoretical analysis and empirical analysis, aiming at the specific situation of risk management of small agricultural loans in Laiwu Rural Credit Cooperatives, puts forward relevant policy recommendations. Chapter VI summarizes the main conclusions of this paper. And pointed out the shortcomings of this paper, in order to improve.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43

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