包商银行农户联保贷款的模式设计

发布时间：2018-05-27 05:14

本文选题：农村金融 + 农户联保贷款　；参考：《内蒙古大学》2012年硕士论文

【摘要】：由于无法提供有效的抵押物,是限制农民获得贷款的条件之一,导致农业扩大再生产,添置设备和技术革新所需要的资金无法满足,极大地制约了这种农业产业化进程。农户联保贷款的出现一定程度上解决了这个问题。近年来,农户联保贷款的推广工作取得了阶段性成效,但是在取得了成绩的同时,也暴露了经济效益、风险控制、产品营销、法律清收等方面的诸多问题。这些问题若不能及早重视解决,农户联保贷款业务势必无法可持续发展。针对以上问题进行分析后,笔者认为当前妨碍农户联保贷款业务发展的原因主要体现为利率管制不当、农业保险滞后、个人征信缺位、法律清收不力、农业行情起伏、市场营销管理滞后、信贷风险管理滞后及人力资源管理滞后。包商银行为了推动微小企业信贷可持续发展,不断进行微小企业金融管理体制、运营机制和业务模式的创新,在标准微小信贷模式的基础上延伸出农户联保贷款。笔者深入了解包商银行农户联保贷款的设计模式、运营模式、发展现状、保障模式、制约性因素等,通过阐述包商银行农户联保贷款成功推广的原因及目前存在的问题,介绍了如何改善农村金融环境,最终达到农户联保贷款可持续发展的目的。
[Abstract]:Owing to the inability to provide effective mortgages, it is one of the conditions to restrict the farmers' access to loans, which leads to the expansion of agricultural reproduction and the inability to satisfy the funds needed for equipment and technological innovation, which greatly restricts the process of agricultural industrialization. The emergence of the loan of farmers' joint insurance has solved this problem to some extent.
In recent years, the promotion work of the household insurance loan has achieved the stage effect, but at the same time, many problems have been exposed, such as economic benefit, risk control, product marketing, legal collection and so on. If these problems can not be solved as early as possible, the loan business of farmers' joint insurance will not be sustainable development. After analyzing the problem, the author thinks that the main reasons that impede the development of the loan business are the improper control of interest rate, the lag of the agricultural insurance, the lack of personal credit, the poor legal collection, the fluctuation of the agricultural market, the lag of marketing management, the lag of the management of credit risk and the lag of the management of human resources. The sustainable development of enterprise credit, the innovation of the micro enterprise financial management system, the operation mechanism and the business model, extended the loan of the peasant household joint insurance on the basis of the standard micro credit model.
The author deeply understands the design pattern, the operation mode, the current situation, the guarantee mode, the restrictive factors and so on. By expounding the reasons and the existing problems of the successful promotion of the package commercial bank, the author introduces how to improve the rural financial environment and finally achieve the sustainable development of the loan of the peasant household. Objective.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.43

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