联保模式下的农村小额贷款信用风险评价体系研究

发布时间：2018-03-10 07:53

本文选题：农户联保　切入点：小额贷款　出处：《西南财经大学》2012年硕士论文　论文类型：学位论文

【摘要】：发展农村经济是解决三农问题的核心,而农村金融服务的缺乏则成为制约其发展的瓶颈。一方面,农村经济经营主体规模小,不稳定,抗风险能力弱,另一方面,银行追求利益最大化,农户贷款数额小,手续繁杂,无抵押品,相对于资产价值高,信用良好的大中型企业,其贷款成本要高很多,这也使得农户从银行等金融机构融资变得困难重重。小额贷款的运作则为解决这一困难提供了一条有效途径,在此基础上发展起来的联保模式下的农村小额贷款不仅降低了作为单个农户贷款的信用风险,更使很多以前不可能融到资金的农户获得了贷款,为农村经济的发展做出了巨大贡献。国内外研究小额贷款的文献大多集中于两方面,一是对小额贷款运作模式的探讨,二是对小额贷款风险的研究,以定性研究方法为主,分析面临的信用风险,并提出相应的解决措施。农户联保小额贷款模式自提出以来也得到很多学者的关注,但多数是从定性的层面探讨这种模式的风险,特别是从社会心理学角度出发研究模式中三方参与人的博弈关系。而采用定量的信用风险评价模型来分析这种模式的相关文献则比较少。本文从小额贷款的信用评价体系角度出发,构建了联保模式下的农村小额贷款信用风险评价体系,并与未考虑联保因素时的信用风险作对比,通过具体的案例得出结论：通过参与联保贷款,农户相互之间承担连带责任,降低了信用风险,信用评分也提高到银行可放款的条件,最终获得融资。
[Abstract]:The development of rural economy is the core of solving the problem of agriculture, rural areas and farmers, and the lack of rural financial services has become the bottleneck restricting its development. On the one hand, the main body of rural economic management is small, unstable, and the ability to resist risks is weak, on the other hand, The banks pursue the maximization of benefits, with small amounts of farmers' loans, complicated procedures, and no collateral. Compared with large and medium-sized enterprises with high asset value and good credit, their loan costs are much higher. This also makes it difficult for farmers to finance themselves from banks and other financial institutions. The operation of micro-loans provides an effective way to solve this problem. On this basis, the rural micro-loans developed on this basis not only reduced the credit risk as a single farmer's loan, but also enabled many farmers who had not been able to obtain funds before to obtain loans. It has made great contribution to the development of rural economy. Most of the domestic and foreign studies on microfinance are focused on two aspects: the first is the discussion of the operation mode of microfinance, the other is the study of microfinance risk, which is based on qualitative research methods, and analyzes the credit risks faced by them. Many scholars have paid attention to the model since it was put forward, but most of them have discussed the risks of the model from a qualitative perspective. Especially from the perspective of social psychology, this paper studies the game relationship of the three participants in the model. However, there are few related documents to analyze this model by using quantitative credit risk evaluation model. From the perspective of evaluation system, In this paper, the credit risk evaluation system of rural micro-loan is constructed and compared with the credit risk without taking into account the factors. The conclusion is drawn through specific cases: through participating in the UNPROFOR loan, farmers bear joint and several liabilities among themselves. The credit risk is reduced and the credit score is raised to the condition that the bank can lend, and finally obtain the financing.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.43;F224

【参考文献】