海城市邮储银行小额农户贷款风险管理研究

发布时间：2018-07-09 17:45

本文选题：HC银行 + 小额农户贷款　；参考：《哈尔滨理工大学》2012年硕士论文

【摘要】：随着国家改革开放的不断深入，我国的经济以年均10%左右的增长速度快速发展，广大人民群众的物质生活水平得到了显著提高，充分享受到了改革开放带来的成果。但是，我们应当看到目前我国的农民可用资本很少，低收入人群占比很大，这与国家提出的构建和谐社会的要求相差一定距离。在解决这个问题的过程中，商业银行小额农户贷款的作用不可忽视。商业银行小额农户贷款已经被越来越多的人们所熟悉，其在服务三农过程中的重大意义也逐渐显现出来，为了更好地了解商业银行小额农户贷款，促进其在支持民脱贫致富的过程中发挥更大的作用，本文试图从海城市邮储银行（本文简称HC）小额农户贷款的发展和风险入手对其进行研究与探讨，在对商业银行小额农户贷款风险分析和风险评价基础上，提出解决HC小额农户贷款风险防范的对应措施。本文以HC小额农户贷款为研究对象，首先从小额贷款风险研究理论出发，对国内外小额贷款风险的研究成果和思路进行概述分析，总结了小额农户贷款风险的研究对小额贷款的可持续、健康发展和支持地方经济发展的重大意义和作用。其次阐述HC小额农户贷款发展概况和风险成因，从借款人、社会信用环境、同业间竞争、操作风险、道德风险等九个方面详细剖析了HC小额农户贷款风险形成的外部、内部成因，并对如何识别各项风险进行详细的剖析与阐述，通过对HC小额农户贷款面临的外部因素、内部因素和自然因素引发的风险，构建由两级15个指标形成的小额农户贷款风险评价指标体系，选取层次模糊综合评价方法对HC小额农户贷款风险进行评价，为HC小额农户贷款风险管控提出对策与启示。然后针对HC小额农户贷款风险成因、识别的分析与评价，提出了建立风险补偿机制、健全内部风险控制机制、建立业务培训机制、完善小额农户贷款征信系统、优化信贷评级制度、加强小额农户贷款运行的信用风险监测等十二项风险防范措施。本文的研究将为今后HC小额农户贷款的风险防控提供理论依据，，为HC小额农户贷款的健康、可持续发展铺平道路。
[Abstract]:With the deepening of China's reform and opening up, China's economy is growing rapidly at an average annual rate of about 10%, and the material living standards of the broad masses of the people have been significantly improved, and the fruits of reform and opening up have been fully enjoyed. However, we should see that there are few available capital and a large proportion of low-income people in our country at present, which is far from the requirement of building a harmonious society put forward by our country. In the process of solving this problem, the role of commercial bank small farmers loans can not be ignored. Commercial banks small farmers loans have been more and more familiar to people, its great significance in the process of serving agriculture, rural areas and farmers, in order to better understand the commercial banks small farmers loans, In order to promote its role in the process of supporting people to get rid of poverty and become rich, this paper attempts to study and discuss the development and risk of small farmers' loans in Haicheng Postal savings Bank (HC). On the basis of risk analysis and risk evaluation of small farmers in commercial banks, the corresponding measures to prevent the loan risk of HC small farmers are put forward. In this paper, HC small farmers loans as the research object, starting from the microfinance risk research theory, the domestic and foreign microfinance risk research results and ideas are summarized and analyzed. This paper summarizes the significance and function of the study on the risk of small farmers' loans to the sustainability, healthy development and support of the local economy. Secondly, this paper expounds the development and risk causes of HC small farmers' loans, and analyzes in detail the external risk formation of HC small farmers' loans from nine aspects: borrower, social credit environment, interbank competition, operational risk, moral hazard, etc. Internal causes, and how to identify the risks of detailed analysis and elaboration, through the HC small farmers to face the external factors, internal factors and natural factors caused by the risk, This paper constructs a risk evaluation index system of small farmers' loans formed by 15 indexes of two levels, selects the hierarchical fuzzy comprehensive evaluation method to evaluate the risk of HC small farmers' loans, and puts forward the countermeasures and enlightenment for the risk management of HC small farmers' loans. Then, based on the analysis and evaluation of the causes of the loan risk of HC small farmers, the paper puts forward the establishment of risk compensation mechanism, the improvement of internal risk control mechanism, the establishment of business training mechanism, and the improvement of credit system for small farmers. We should optimize credit rating system and strengthen credit risk monitoring in the operation of small farmers' loans. The research in this paper will provide the theoretical basis for the risk prevention and control of HC small farmers' loans in the future, and pave the way for the healthy and sustainable development of HC small farmers' loans.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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