LC农商银行农户贷款的风险防范

发布时间：2018-01-05 21:05

本文关键词：LC农商银行农户贷款的风险防范　出处：《陕西师范大学》2015年硕士论文　论文类型：学位论文

【摘要】：我国作为传统的农业国家,农村人口占了大多数,而随着经济形势的下行以及国家扩大内需的相关政策的提出,农村的建设和发展对我国整体经济发展的影响越来越大,而农村经济的发展又与农村金融的发展息息相关。自2004年起,中共中央连续发布了七个以“三农”为主题的中央“一号文件”,2010年的中央“一号文件”强调要积极引导社会资金进入小额信贷领域,加快培育各类新型农村金融机构。我国从20世纪90年代就开始探索发展小额信贷,逐步的开始去解决农民“贷款难、难贷款”等各种问题,逐渐的去改善农村的金融服务。但在农村,由于农户基本上没有抵质押品,而农业生产又具有很大的不稳定性,因此对于农村金融来说,模式的创新、金融知识的普及固然重要,但从金融机构尤其是拥有大多数农村市场的信用社、农村商业银行、农村合作银行等机构自身的发展与安全方面来讲,又面临着各种各样的风险与难题,因此,在这样的背景下,研究农户贷款的风险,找出农户贷款的风险防范机制至关重要。2014年对银行业来讲,不良贷款上升压力不断,银监会也在不断强调要加强银行风险防范,而对于农商银行、农村合作银行来讲,做好农户贷款的风险防范、降低风险发生的概率对于银行自身、对于农户、银行业的发展以及整个经济的发展都具有重大的意义。农村金融机构作为农村金融的主力军和联系农民的金融纽带,是目前我国农村资金和金融服务的主要提供者,其贷款风险的高低不但直接关系到自身的生存和发展,也关系到我国农业结构调整和农村经济发展。但农村金融机构仍存在不少问题,特别是贷款风险问题,如果风险得不到有效管理和控制,将严重制约农村金融机构的发展,影响到我国新农村建设。农户贷款作为农村金融机构现在的主要信贷产品和未来的重点推广产品,其风险问题对农村金融机构影响很大。本文阐述了农村金融机构不良贷款占比较高、案件频发的风险现状,按照风险不同参与者的标准,将农户贷款风险划分信用风险、管理风险、政策风险和环境风险四大类,并具体分析了风险的表现形式和成因,探讨了风险应对措施。同时,运用层次分析法—模糊综合评价方法对某农户风险进行了案例研究。
[Abstract]:China, as a traditional agricultural country, rural population accounts for the majority, but with the downward economic situation and the national policy to expand domestic demand put forward. The rural construction and development have more and more influence on the overall economic development of our country, and the development of the rural economy is closely related to the development of rural finance. Since 2004. The Central Committee of the Communist Party of China has issued seven "No. 1 documents" with the theme of "agriculture, countryside and farmers" in succession. In 2010, the "No. 1 document" of the Central Committee stressed the need to actively guide social funds into the field of microfinance. In 1990s, China began to explore the development of microfinance, gradually began to solve the farmers "difficult, difficult to loan" and other problems. Gradually to improve the rural financial services. But in rural areas, because farmers basically do not pledge goods, and agricultural production has a lot of instability, so for rural finance, the innovation of the model. The popularization of financial knowledge is important, but from the financial institutions, especially the credit cooperatives, rural commercial banks, rural cooperative banks and other institutions own development and security aspects. Also facing a variety of risks and problems, therefore, under such a background, the study of the risk of farmers loans, to find out the risk prevention mechanism of farmers loans is very important. 2014 for the banking sector. Non-performing loans rising pressure, the Banking Regulatory Commission is also constantly stressed to strengthen bank risk prevention, and for agricultural banks, rural cooperative banks, to do a good job on the risk prevention of farmers' loans. To reduce the probability of risk occurrence for the bank itself, for farmers. The development of banking and the development of the whole economy are of great significance. Rural financial institutions as the main force of rural finance and financial ties linked to farmers. Is the main provider of rural funds and financial services in China, the level of loan risk is not only directly related to their survival and development. It is also related to the adjustment of agricultural structure and the development of rural economy. However, there are still many problems in rural financial institutions, especially the problem of loan risk, if the risk can not be effectively managed and controlled. It will seriously restrict the development of rural financial institutions and affect the construction of new rural areas in China. Farmers' loans are the main credit products of rural financial institutions and the key promotion products in the future. The risk problem has a great impact on rural financial institutions. This paper describes the rural financial institutions non-performing loans account for relatively high, frequent cases of the risk situation, according to the risk of different participants standards. The credit risk, the management risk, the policy risk and the environmental risk are divided into four categories, and the forms and causes of the risk are analyzed in detail, and the measures to deal with the risk are discussed. A case study on the risk of a farmer was carried out by using the analytic hierarchy process (AHP)-fuzzy comprehensive evaluation method.
【学位授予单位】：陕西师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4

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