广东省农村信用社农户小额信贷风险控制研究
发布时间：2018-08-10 21:58
【摘要】：长期以来，农村信用社作为农村金融的主力军，以服务三农为己任，为农业增产、农民增收和农村经济发展做出了突出贡献。农户小额信贷业务作为一种专门服务于农户的金融产品，，在农村信用社追求效益和履行社会责任方面，具有举足轻重的地位，其贷款质量和风险状况直接影响信用社的生存和发展。2003年深化改革以来，广东省农信社坚持立足三农、面向社区、服务城乡的市场定位，加强内部管理，着力机制、体制创新，取得了快速发展。提高农户小额信贷业务质量对广东省农信社的健康经营和发展十分重要。从实践看来，农户小额信贷业务的风险问题是比较突出的，主要来自于借款人自身和信用社贷款的管理方面，探讨科学的信贷管理方法规避农户小额信贷业务风险，对广东省农信社的发展影响深远。 本文以广东省农信社为企业背景，主要从小额信贷的现状入手，分析了广东省农信社农户小额信贷存在的风险。其次，通过对广东省农信社农户小额信贷管理现状的研究，分析出制约广东省农信社农户小额信贷管理的内部及外部障碍。再次，基于韶关市属于广东省农业发展优势明显的地区的考量，选取地处粤北的韶关市作为实证分析对象，运用面板数据（panel data）分析了影响广东省农信社农户小额贷款风险的因素。最后，以广东省农信社为对象，在分析其风险现状和成因的基础上，依据分析结果提出有效控制风险的对策，并在文章的最后总结了几点建议。
[Abstract]:For a long time, rural credit cooperatives, as the main force of rural finance, have made outstanding contributions to increasing agricultural production, increasing farmers' income and rural economic development. As a kind of special financial product serving farmers, the micro-credit business of farmers plays an important role in the rural credit cooperatives in the pursuit of efficiency and social responsibility. Since the deepening of the reform in 2003, Guangdong Rural Credit Cooperatives have adhered to the market orientation of "three rural areas, facing the community, serving the urban and rural areas, strengthening internal management, focusing on the mechanism and innovating the system." Rapid development has been achieved. It is very important for the healthy operation and development of Guangdong Rural Credit Society to improve the quality of farmer's microfinance business. From the point of view of practice, the risk problem of farmer's micro-credit business is quite prominent, mainly from the management of the loan of the borrower itself and the credit cooperative, discussing the scientific credit management method to avoid the risk of the farmer's micro-credit business. It has far-reaching influence on the development of Guangdong Rural Credit Cooperative. Based on the background of Guangdong Rural Credit Cooperative (RCCs), this paper analyzes the risks of micro-credit in Guangdong Rural Credit Cooperative (RCCs) from the current situation of micro-credit. Secondly, through the study of the current situation of the micro-credit management of farmers in Guangdong Rural Credit Cooperative, the author analyzes the internal and external obstacles that restrict the micro-credit management of farmers in Guangdong Province. Thirdly, based on the consideration of Shaoguan City, which belongs to the obvious advantages of agricultural development in Guangdong Province, Shaoguan City, located in the north of Guangdong Province, is selected as the object of empirical analysis. Using panel data (panel data), this paper analyzes the factors that affect the risk of small loan of farmers in Guangdong Rural Credit Society. Finally, taking Guangdong Rural Credit Cooperative as the object, based on the analysis of its risk status and causes, the paper puts forward some effective measures to control the risk, and summarizes some suggestions at the end of the article.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
本文编号：2176328
[Abstract]:For a long time, rural credit cooperatives, as the main force of rural finance, have made outstanding contributions to increasing agricultural production, increasing farmers' income and rural economic development. As a kind of special financial product serving farmers, the micro-credit business of farmers plays an important role in the rural credit cooperatives in the pursuit of efficiency and social responsibility. Since the deepening of the reform in 2003, Guangdong Rural Credit Cooperatives have adhered to the market orientation of "three rural areas, facing the community, serving the urban and rural areas, strengthening internal management, focusing on the mechanism and innovating the system." Rapid development has been achieved. It is very important for the healthy operation and development of Guangdong Rural Credit Society to improve the quality of farmer's microfinance business. From the point of view of practice, the risk problem of farmer's micro-credit business is quite prominent, mainly from the management of the loan of the borrower itself and the credit cooperative, discussing the scientific credit management method to avoid the risk of the farmer's micro-credit business. It has far-reaching influence on the development of Guangdong Rural Credit Cooperative. Based on the background of Guangdong Rural Credit Cooperative (RCCs), this paper analyzes the risks of micro-credit in Guangdong Rural Credit Cooperative (RCCs) from the current situation of micro-credit. Secondly, through the study of the current situation of the micro-credit management of farmers in Guangdong Rural Credit Cooperative, the author analyzes the internal and external obstacles that restrict the micro-credit management of farmers in Guangdong Province. Thirdly, based on the consideration of Shaoguan City, which belongs to the obvious advantages of agricultural development in Guangdong Province, Shaoguan City, located in the north of Guangdong Province, is selected as the object of empirical analysis. Using panel data (panel data), this paper analyzes the factors that affect the risk of small loan of farmers in Guangdong Rural Credit Society. Finally, taking Guangdong Rural Credit Cooperative as the object, based on the analysis of its risk status and causes, the paper puts forward some effective measures to control the risk, and summarizes some suggestions at the end of the article.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
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