农村小额信贷发展过程中的风险防范研究

发布时间：2018-07-09 17:36

本文选题：农村小额信贷 + 风险防范　；参考：《广西大学》2012年硕士论文

【摘要】：本文的研究对象是农村小额信贷发展过程中的风险防范。本研究对农村小额信贷发展的现状和风险所在进行了简要描述,特别是对发展过程中的风险防范情况作了总结。本文认为,鉴于我国农村人口巨大,农业基础整体薄弱,绝大多数地区的农业停留在散户作业状态,抗风险能力较差。缺乏抵押、担保是农民筹措农业生产资金遇到的首要难题。城市和农村资金流向的极化、农村金融资源的匮乏使得农民要改变命运、实现小康变得更难。面对高风险性的农业产业群体,小额信贷要如何才能实现可持续运营是最大的问题。本文正是从这一问题的思考出发,通过仔细甄别农村小额信贷机构所面临的内部外部各类风险,认识到对于农村小额信贷业务而言,信贷机构控制内部风险已很吃力,外部风险单凭信贷机构的力量更难以抵御。农村小额信贷除了本身所具有的商业化成分外,在当前的国情下更具有公益的性质。由于小额信贷的公益性、及其对和谐社会的重要意义,它所面对的外部风险应该由社会信用度最高、抗风险能力最强的部门予以对冲,即政府应该加强对小额信贷的支持。这种支持是反映在政策和资金的出台上的类似于公共物品的生产行为,政府通过践行风险的对冲更好的履行了公共部门的责任。立足于当前存在的问题和要达到防范风险的目标,本文指出政府可以动用一系列财政税收政策及其他相关行政手段来加强对农村金融机构的扶持,以达到防范、化解相关风险,实现农村小额信贷可持续运营的目的。农村小额信贷业务的可持续发展将为促进城乡一体化进程和“三农”的持续发展做出更大贡献。
[Abstract]:The object of this paper is risk prevention in the development of rural microfinance. This paper briefly describes the current situation and risk of the development of rural microfinance, especially summarizes the risk prevention in the process of development. This paper holds that in view of the large rural population and the weak agricultural foundation in China, the agriculture in most areas remains in the state of retail operation and the ability to resist risks is poor. Lack of mortgage, guarantee is farmers to raise agricultural production funds encountered the primary problem. The polarization of capital flow between urban and rural areas and the scarcity of rural financial resources make it more difficult for farmers to change their fate and realize a well-off society. Facing the high risk agricultural industry group, the biggest problem is how to realize the sustainable operation of micro-credit. This paper starts from this problem, by carefully identifying the internal and external risks faced by rural microfinance institutions, and realizes that it is very difficult for the credit institutions to control the internal risks for the rural microfinance business. External risks are harder to fend off by credit institutions alone. In addition to its own commercial elements, rural microfinance has the nature of public welfare under the current national conditions. Because of the commonweal nature of microfinance and its significance to harmonious society, the external risks it faces should be hedged by the departments with the highest degree of social credit and the strongest ability of resisting risks, that is, the government should strengthen the support for microfinance. This support is reflected in public goods-like production on policy and capital-where the government better fulfils its public sector responsibilities by hedging risks. Based on the existing problems and the goal of preventing risks, this paper points out that the government can use a series of fiscal and tax policies and other relevant administrative means to strengthen the support to rural financial institutions, in order to prevent and resolve the related risks. To achieve the purpose of sustainable operation of rural microfinance. The sustainable development of rural microfinance will contribute more to the process of urban-rural integration and the sustainable development of agriculture, countryside and farmers.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.43

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