邮储银行内蒙分行农户小额贷款风险管理研究

发布时间：2018-04-09 08:38

本文选题：农户小额贷款　切入点：风险　出处：《内蒙古大学》2013年硕士论文

【摘要】：农户小额贷款作为邮储银行内蒙分行支农服务功能的一项重要政策,在支持内蒙古农村经济发展,解决农户贷款难问题,促进农牧民增收,建设社会主义新农村,构建和谐社会等方面都发挥着积极的作用,同时受到了全区农村广大农户的普遍欢迎。但是在农户小额贷款推广过程中也存在一些问题,影响到了其效果的发挥,需要进一步加强思考,予以解决。农户小额贷款由于具有无须抵押担保,金额较小,而且周转使用方便快捷等特点,非常适应农村金融市场的现实需求,是农村金融的重要组成部分。然而随着农户小额贷款的快速发展,其风险也逐步显现出来,农户小额贷款的风险防范工作已经是银行面临的重要研究课题之一。论文以邮储银行内蒙分行开展农户小额贷款在实际操作中遇到的困难和问题为背景,以COSO报告、企业内部控制基本规范及应用指引为理论基础,梳理了农户小额贷款风险特征及其产生的根源,对邮储银行内蒙分行农户小额贷款风险管理现状及存在的问题进行了剖析,得出农户小额贷款风险防范是一项系统性工作的结论,进而提出了关于做好风险防范与控制的各项举措建议,以期对以后实践工作提供经验借鉴与现实指导。
[Abstract]:As an important policy of supporting agriculture service function of Inner Mongolia Branch of Postal savings Bank, small loans of farmers support the development of rural economy in Inner Mongolia, solve the problem of farmers' loans, promote the income of farmers and herdsmen, and build a new socialist countryside.The construction of a harmonious society plays a positive role and is generally welcomed by the rural farmers in the whole area.However, there are also some problems in the process of the extension of peasant's small loans, which affect the effect of the extension, and need to be further considered and solved.Because of its characteristics of no mortgage guarantee, small amount of money, and convenient and quick turnover, peasant household microfinance is very suitable for the real needs of the rural financial market, and is an important part of rural finance.However, with the rapid development of micro-credit, the risk of micro-credit has gradually emerged, and the risk prevention of micro-credit has been one of the important research topics facing banks.The thesis is based on the difficulties and problems encountered in the practical operation of the sub-branch of the postal savings bank in Inner Mongolia, and on the basis of the COSO report, the basic norms and application guidelines of the internal control of the enterprise.This paper combs the characteristics of peasant households' microfinance risk and its origin, and analyzes the present situation and existing problems of peasant household micro-loan risk management in Inner Mongolia Branch of Postal savings Bank.The paper draws the conclusion that the risk prevention of farmers' small loans is a systematic work, and then puts forward some suggestions on how to prevent and control the risks, in order to provide experience and practical guidance for the future practical work.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F618.3;F832.43

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