商业银行农户三权抵押贷款业务风险防范研究

发布时间：2019-01-26 11:20

【摘要】：农户“三权”包括林权，宅基地使用权以及土地承包经营权三方面的内容。长期以来，“三权”仅仅作为一种维持农民生活的形式而存在，“三权”资源整体的利用率并不是很高。“三权”交易是指将“三权”作为抵押物向涉农银行申请小额贷款，拟在解决养殖，加工，种植以及个体经营等多方面融资需要，在增加农民融资手段，扩大农业投入的同时，又可以拓宽农民的财政性收入，而且从侧面促进了城市资本走向农村，发展农业生产的有利趋势，成为目前破解“三农”融资难题，推进农民致富以及城乡统筹发展的重要思路。 “三权”抵押交易高额的投资回报率对于商业银行以及其他金融机构其吸引力是潜在的。随着资金的不断投入，对于一些抗风险能力较弱以及经营规模较小的商业银行，对于风险的认识，，控制以及预防是必不可少的。而且，土地相对于其他一般的抵押品，其风险额度会大大增加，例如土地特殊的地理位置，评估，性质以及开发的风险。对于农村“三权”抵押贷款业务风险的研究一直以来就是金融学术界以及国内外经济研究的重点，本文主要从定性以及定量两个角度对于目前“三权”抵押交易中存在的风险以及成因进行分析，以贝叶斯网络作为研究的理论依据，以九台农村商业银行作为现实依据，分析以及整合了在农村“三权”抵押交易中主要存在的风险以及原因，并总结作为商业银行在进行农户三权交易中的一些可行性策略，主要包括：1．建立以市场为基础的小额农贷利率体系2．小额农贷分类发放3．优化小额农贷的管理质量4．加大政策扶持4．加强农村信用体系建设6．组建高素质人才队伍，建立相关激励机制7．构建小额农贷风险补偿和保障机制，旨在为商业银行更加有效的进入农村融资市场提供发展契机。
[Abstract]:The three rights of farmers include forest right, homestead use right and land contract management right. For a long time, the "three rights" only exist as a form of maintaining farmers' life, and the overall utilization rate of the "three rights" resources is not very high. The "three rights" transaction refers to the application of the "three rights" as collateral to the agriculture-related bank for small loans to meet the financing needs of farming, processing, planting and self-employment, and to increase the means of financing for farmers and expand agricultural investment at the same time. It can also broaden the financial income of farmers, and promote the city capital to go to the countryside from the side, and develop the favorable trend of agricultural production, which has become a difficult problem to solve the financing problem of "agriculture, rural areas and farmers" at present. To promote farmers to become rich and urban and rural development as an important way of thinking. The high return on investment in three-right mortgages is potentially attractive to commercial banks and other financial institutions. With the continuous investment of capital, it is necessary to recognize, control and prevent the risk for some commercial banks with weak anti-risk ability and small scale operation. Moreover, the amount of risk associated with land is significantly increased relative to other common collateral, such as the particular location, assessment, nature, and development risks of the land. The research on the risk of the "three right" mortgage loans in rural areas has always been the focus of the financial academic circles and the domestic and foreign economic research. This article mainly from qualitative and quantitative two angles to carry on the analysis to the risk and the cause of formation existing in the current "three rights" mortgage transaction, take Bayesian network as the theoretical basis of the research, take nine rural commercial banks as the realistic basis. The paper analyzes and integrates the main risks and reasons in the "three rights" mortgage transactions in rural areas, and summarizes some feasible strategies of commercial banks in carrying out the transaction of the three rights of farmers. The main contents are as follows: 1. To establish a market-based interest rate system for small agricultural loans 2. 3. To optimize the management quality of small agricultural loans. 4. To increase policy support 4. To strengthen the construction of rural credit system 6. To build a contingent of high-quality talents, To set up the risk compensation and guarantee mechanism of small agricultural loan, to provide the development opportunity for the commercial bank to enter the rural financing market more effectively.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.43

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