XH县农村信用社农户小额信用贷款风险管理研究
发布时间：2018-12-13 22:24
【摘要】：小额信用贷款源于二十世纪六、七十年代,由孟加拉吉大港大学经济学家穆罕默德·尤纳斯(Muhammad Yunus)博士发起,是一种把城乡低收入阶层作为服务对象的小规模金融服务方式,最初目的是为了消除贫困和发展农业生产。1993年,中国引入孟加拉乡村银行(GB)小额信贷模式,由最初成立扶贫经济合作社,到确立农村信用社作为正规金融机构全面发放小额信用贷款,经过近20年的发展,农户小额信用贷款在我国取得了较快的发展,同时在扶持弱势群体、支持“三农”发展、实现和谐社会建设方面发挥了巨大作用。但是,随着业务的开展和推广,农户小额信用贷款业务风险管理现状不容乐观,风险管理问题已经严重阻碍了该业务的可持续发展,如何运用科学的管理方法规避这些风险,成为亟待解决的问题。 本文主要对XH县农村信用社农户小额信用贷款业务中的风险管理进行深入研究,针对研究中发现的问题,进行分析总结,提出相应的政策建议,为ZK市辖区农村信用社加强对农户小额信用贷款业务的管理提供参考和借鉴。首先对XH县农村信用社小额信贷风险管理研究的背景和意义进行阐述,并提出主要研究内容、研究思路和文献综述,就论文的预期目标及创新点进行归纳总结；在对XH县农村信用社实地调研的基础上,掌握第一手农户小额信用贷款数据和案例,并结合该农村信用社农户小额信用贷款的业务流程,对该农村信用社农户小额信用贷款的风险管理现状进行分析,查找XH县农村信用社农户小额信用贷款近两年来出现业务萎缩的主要原因,由此引出农户小额信用贷款风险管理问题；根据调研的数据和案例,结合XH县农村信用社农户小额信用贷款业务的实际情况,将目前该业务面临的风险分为自然风险、市场风险、信用风险、操作风险、流动性风险、其他风险六个方面,并对每个方面的风险的成因进行详细分析；针对分析的主要风险成因,结合XH县农村信用社实际情况和XH县农村信用环境、经济环境等方面,提出相应的风险管理政策建议。
[Abstract]:Microcredit was initiated in the 1960s and 1970s by Dr. Mohamed Jonas (Muhammad Yunus), an economist at Chittagong University in Bangladesh. It is a small-scale financial service that targets the low-income urban and rural sectors. The original aim was to eradicate poverty and develop agricultural production. In 1993, China introduced the Bangladesh Grameen Bank (GB) micro-credit model, and established the pro-poor economic cooperative from the beginning. To establish rural credit cooperatives as formal financial institutions to comprehensively issue small credit loans, after nearly 20 years of development, farmers' small credit loans have achieved relatively rapid development in China. At the same time, they are supporting vulnerable groups and supporting the development of "agriculture, rural areas and farmers". The construction of a harmonious society has played a great role. However, with the development and promotion of the business, the current situation of risk management in the small credit loan business of farmers is not optimistic, the risk management problem has seriously hindered the sustainable development of the business, how to use scientific management methods to avoid these risks, It has become an urgent problem to be solved. This paper mainly studies the risk management in the small credit loan business of the rural credit cooperatives in XH county, analyzes and summarizes the problems found in the research, and puts forward the corresponding policy recommendations. It provides reference and reference for ZK rural credit cooperatives to strengthen the management of farmers' small credit loan business. Firstly, the background and significance of the research on microfinance risk management of rural credit cooperatives in XH county are expounded, and the main research contents, research ideas and literature review are put forward, and the expected objectives and innovative points of the paper are summarized and summarized. Based on the field investigation of the rural credit cooperatives in XH county, the paper grasps the data and cases of the micro-credit loans of the rural households, and combines the business process of the micro-credit loans of the rural credit cooperatives. This paper analyzes the present situation of the risk management of the small credit loan of the peasant household of the rural credit cooperative, and finds out the main reasons for the decline of the small credit loan of the peasant household of the rural credit cooperative in XH county in the past two years. This leads to the risk management of small credit loans for farmers; According to the investigated data and cases, combined with the actual situation of the small credit loan business of rural credit cooperatives in XH county, the risks faced by this business are divided into natural risk, market risk, credit risk, operational risk, liquidity risk. There are six aspects of other risks, and the causes of each risk are analyzed in detail. According to the analysis of the main risk causes, combined with the actual situation of rural credit cooperatives in XH county and the rural credit environment and economic environment of XH county, the corresponding risk management policy suggestions are put forward.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
本文编号：2377357
[Abstract]:Microcredit was initiated in the 1960s and 1970s by Dr. Mohamed Jonas (Muhammad Yunus), an economist at Chittagong University in Bangladesh. It is a small-scale financial service that targets the low-income urban and rural sectors. The original aim was to eradicate poverty and develop agricultural production. In 1993, China introduced the Bangladesh Grameen Bank (GB) micro-credit model, and established the pro-poor economic cooperative from the beginning. To establish rural credit cooperatives as formal financial institutions to comprehensively issue small credit loans, after nearly 20 years of development, farmers' small credit loans have achieved relatively rapid development in China. At the same time, they are supporting vulnerable groups and supporting the development of "agriculture, rural areas and farmers". The construction of a harmonious society has played a great role. However, with the development and promotion of the business, the current situation of risk management in the small credit loan business of farmers is not optimistic, the risk management problem has seriously hindered the sustainable development of the business, how to use scientific management methods to avoid these risks, It has become an urgent problem to be solved. This paper mainly studies the risk management in the small credit loan business of the rural credit cooperatives in XH county, analyzes and summarizes the problems found in the research, and puts forward the corresponding policy recommendations. It provides reference and reference for ZK rural credit cooperatives to strengthen the management of farmers' small credit loan business. Firstly, the background and significance of the research on microfinance risk management of rural credit cooperatives in XH county are expounded, and the main research contents, research ideas and literature review are put forward, and the expected objectives and innovative points of the paper are summarized and summarized. Based on the field investigation of the rural credit cooperatives in XH county, the paper grasps the data and cases of the micro-credit loans of the rural households, and combines the business process of the micro-credit loans of the rural credit cooperatives. This paper analyzes the present situation of the risk management of the small credit loan of the peasant household of the rural credit cooperative, and finds out the main reasons for the decline of the small credit loan of the peasant household of the rural credit cooperative in XH county in the past two years. This leads to the risk management of small credit loans for farmers; According to the investigated data and cases, combined with the actual situation of the small credit loan business of rural credit cooperatives in XH county, the risks faced by this business are divided into natural risk, market risk, credit risk, operational risk, liquidity risk. There are six aspects of other risks, and the causes of each risk are analyzed in detail. According to the analysis of the main risk causes, combined with the actual situation of rural credit cooperatives in XH county and the rural credit environment and economic environment of XH county, the corresponding risk management policy suggestions are put forward.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
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