县域不良贷款的现状与解决途径
发布时间：2019-01-08 21:08
【摘要】：本文对我国县域不良贷款问题分析后发现,我国县域不良贷款比例较大,尽管金融资源在经济发达地区与经济不发达地区分布存在显著差异,但县域不良贷款问题在各地区都普遍存在。本文在成因分析基础上,认为可通过采用持续激励法对县域客户进行信用激励、推广同组组合的贷款模式、以"贷款保障基金"完善抵押品保证机制、推行小额贷款还款模式及完善农业巨灾保险机制、间接预防信贷风险等方式来解决我国县域不良贷款问题。
[Abstract]:Based on the analysis of the problem of non-performing loans in counties of China, this paper finds that the proportion of non-performing loans in counties is large, although there are significant differences in the distribution of financial resources between economically developed regions and economically underdeveloped regions. But the problem of non-performing loans at county level is widespread in all regions. Based on the analysis of the causes, this paper holds that the credit incentive method can be used to encourage the county customers, to promote the loan model of the same group, and to perfect the collateral guarantee mechanism by "loan guarantee fund". In order to solve the problem of non-performing loans in counties, we should carry out the repayment mode of small loans, perfect the mechanism of agricultural catastrophe insurance, and indirectly prevent the credit risk.
【作者单位】： 清华大学经济管理学院;中国农业银行博士后科研工作站;
【分类号】：F832.43
[Abstract]:Based on the analysis of the problem of non-performing loans in counties of China, this paper finds that the proportion of non-performing loans in counties is large, although there are significant differences in the distribution of financial resources between economically developed regions and economically underdeveloped regions. But the problem of non-performing loans at county level is widespread in all regions. Based on the analysis of the causes, this paper holds that the credit incentive method can be used to encourage the county customers, to promote the loan model of the same group, and to perfect the collateral guarantee mechanism by "loan guarantee fund". In order to solve the problem of non-performing loans in counties, we should carry out the repayment mode of small loans, perfect the mechanism of agricultural catastrophe insurance, and indirectly prevent the credit risk.
【作者单位】： 清华大学经济管理学院;中国农业银行博士后科研工作站;
【分类号】：F832.43
【相似文献】
相关期刊论文 前10条
1 许航斌;;浅议如何加强县域农业银行的竞争力[J];当代经理人(下旬刊);2006年11期
2 钱晓;;推进重点县域支行改革之人力资源管理思考[J];改革与开放;2010年03期
3 温海涌;;县域现金发行管理新模式的优势及应注意的问题[J];西安金融;2006年04期
4 刘敏杰;;县域小额担保贷款启动难的原因及建议——对全州县小额担保贷款的调查[J];广西金融研究;2006年06期
5 谢汉阳;袁锦湘;;农村支付环境评价指标体系研究——以湖南省湘西自治州为例[J];武汉金融;2011年03期
6 李雯莉;;县域国库同城票据交换业务新规实施效应分析[J];金融经济;2009年16期
7 刘国防;;单一银行制及在中国的实践研究[J];特区经济;2010年02期
8 李，
本文编号：2405121
本文链接：https://www.wllwen.com/guanlilunwen/bankxd/2405121.html
