包商银行赤峰分行农户小额信贷业务研究

发布时间：2018-06-04 12:58

本文选题：包商银行 + 农户小额信贷　；参考：《辽宁大学》2012年硕士论文

【摘要】：近年来,小额贷款业务作为国际金融领域里的一个重大课题,已经被越来越多的国家和银行所认知和认可。国际上和国内许多金融机构对它的快速发展进行了大量的研究和探索。现阶段,我国银行等金融机构为广大农民提供的各类金融服务存在相当严重的不足,广大农村资金外流现象严重,普遍存在农民“贷款难"的问题。《党中央关于推进农村改革发展若干重大问题的决定》已经对加强农村金融改革明确提出了要求,并给予了相关的政策支持。包商银行赤峰分行按照国家的相关政策要求,同时参照各类监管部门的意见,集中服务于那些农村经济比重大的地区,坚持为该类地区提供“三农”服务,逐步实现了农户贷款投放总量以及覆盖面地不断提高,简化农户小额贷款审批手续,确定灵活的还款方式,实行对广大农户的小额贷款的优惠利率政策。同时,对个别偏僻乡镇,且地域面积较大的地区,以流动服务方式展开服务,最终提升整体服务水平。总体而言,包商银行赤峰分行农户小额贷款业务取得了较快地发展,极大地刺激了当地农村经济的发展。但是在服务方式改进和服务质量提高的同时,包商银行赤峰分行在农户小额贷款业务的开展方面也遇到了一些难题。针对包商银行当前在农户小额信贷业务方面存在的问题,寻求切实可行的方案迫在眉睫。本文根据包商银行赤峰分行农户小额信贷业务的开展现状,在分析和总结中国农户融资情况的基础上,对具有农户融资典型特征的包商银行赤峰分行农户小额信贷业务开展情况进行分析和规划。着重分析了国内外农户融资的现状,指出了包商银行赤峰分行农户融资时可能存在的问题,并探寻农户小额信贷业务在包商银行进一步发展的对策,解决赤峰地区农户“贷款难”问题。总之,包商银行赤峰分行开展农户小额贷款,既是应承担的社会义务,又是自身长足发展的需要。只要科学设计产品,选准目标客户,因地制宜确定发展模式,强化管理,严控风险,就一定可以获得丰厚的回报。
[Abstract]:In recent years, microfinance, as an important subject in international finance, has been recognized and recognized by more and more countries and banks. Many international and domestic financial institutions have carried out a lot of research and exploration on its rapid development. At the present stage, the financial services provided by Chinese banks and other financial institutions to the broad masses of farmers are quite seriously inadequate, and the outflow of funds from the vast rural areas is serious. The decision of the CPC Central Committee on several important issues in promoting rural reform and development has clearly set forth the requirements for strengthening the rural financial reform and has given relevant policy support. The Chifeng Branch of the contractor Bank, in accordance with the relevant policy requirements of the state, at the same time referring to the opinions of various regulatory departments, concentrated on serving those areas with a large proportion of the rural economy, and insisted on providing "three rural" services to such areas. Gradually realized the total amount of farmers' loans and the continuous improvement of the coverage, simplified the approval procedures for small loans, determined flexible repayment methods, and implemented the preferential interest rate policy for small loans to the majority of farmers. At the same time, some remote villages and towns with relatively large geographical area will be served by mobile services, and the overall service level will be improved. In general, Chifeng branch of the contractor bank has made rapid development of micro-credit business, which greatly stimulates the development of local rural economy. However, with the improvement of service mode and service quality, Chifeng Branch of the contractor Bank has encountered some difficulties in carrying out the small loan business of farmers. In view of the problems existing in the microfinance business of peasant households, it is urgent to seek practical solutions. On the basis of analyzing and summarizing the financing situation of Chinese farmers, this paper analyzes and summarizes the current situation of peasant household micro-credit business in Chifeng Branch of contractor Bank. This paper analyzes and plans the development of peasant household microfinance business in Chifeng Branch, a contractor bank with typical characteristics of peasant household financing. This paper emphatically analyzes the present situation of peasant household financing at home and abroad, points out the possible problems existing in the financing of Chifeng branch of contractor bank, and probes into the countermeasures for further development of peasant household micro-credit business in the contractor bank. Solve Chifeng area farmer "loan difficulty" problem. In a word, Chifeng branch of contractor bank is not only the social obligation but also the need of its rapid development. As long as the scientific design products, select target customers, determine the development model according to local conditions, strengthen management, strictly control risks, we will be able to obtain rich returns.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【参考文献】