我国农村小额信贷风险管理模式研究

发布时间：2018-01-14 02:30

本文关键词：我国农村小额信贷风险管理模式研究　出处：《西南财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：中国是一个农业大国,农业在国民生产中居于基础产业地位,其为民生之本。在我国工业及第三产业迅速发展的今天,农业发展相对滞缓,国家为加快农业发展,推行了各项解决“三农”问题的政策,而农村小额信贷作为新兴农村金融扶持项目,其对于提升农民收入,解决农户贷款难及资金利用率低方面发挥了极其重要的作用。但在其20年运行过程中,其风险管理模式上暴露出很多问题,导致其发展速度趋缓,未切实发挥其拉动农村经济增长,提升农民收入的目的。本文首先对国内外针对农村小额信贷风险性质,风险源及风险管理模式的相关研究材料及研究成果加以总结分析,并以此作为后期探讨农村小额信贷风险管理模式正确选择的理论支持。同时结合经济学中对农村小额信贷风险管理相关理论研究,结合农村小额信贷发展特点,理论结合实际分析小额信贷风险管理涉及主要因素,并就各影响因素提出相应风险管理措施选择。在分析风险管理措施选择基础上,设计评判各风险管理模式效率的评价体系,为后期判断各风险管理模式适用性及运行效率提供理论依据。也即利用风险管理基础理论作为理论基础指导以下章节展开对国外先进风险管理模式的经验总结以及对本国农村小额信贷风险管理模式选择的探索与分析。在介绍我国小额信贷风险管理模式前,首先通过对国际上通行典型农村小额信贷风险管理模式作对比分析总结其值得借鉴的风险管理经验。具体涉及的小额信贷管理模式包括孟加拉GB模式,印尼人民银行,玻利维亚阳光银行农村小额信贷发展模式,各模式主要从其面对对象,贷款形式及组织管理结构等方面全面对比分析各模式优缺点,并总结其中值得我国借鉴的风险管理经验。在总结优秀管理模式经验同时,简单介绍我国农村小额信贷发展历程及发展现状,结合国情分析各典型国际农村小额信贷风险管理模式在我国适用性,得出各模式在我国适用的优势及缺陷,总结出我国农村小额信贷风险管理模式选择应混合搭配各模式优势,采用混合型的风险管理模式开展农村小额信贷。并选取采用该混合风险管理模式的我国某农信社作为分析案例,具体介绍该模式运行状况及运行特点。在对我国某农信社运作情况分析时,也发现该风险管理模式在我国运行仍存在部分问题,需根据问题产生根源探索我国改善农村小额信贷风险管理的策略建议。提出主要通过创新风险管理实现模式,完善农村金融基础设施建设及加大法律政策支持力度和借款农户创业技能培训等各方面改善农村小额信贷风险管理质量,以提升农村小额信贷风险管理效率,真正实现农村小贷这一新型金融工具对农业发展的巨大促进作用,保证农村小贷经营机构可持续发展。本文的创新之处在于： (1)本文以农村小额信贷风险管理模式为研究对象,弥补了国内将小额贷款关注度集中于城市而对于农村金融发展模式关注度不高的不足。将农村小额信贷与国家大力发展“三农”宏观背景相联系,研究农村小额信贷发展滞缓的影响因素,并为加强其风险管理提出改善建议。 (2)本文改变以往研究金融机构风险通常通过建立数据模式,以模型分析影响因素及改善措施的常规研究方法,采用案例分析方式,结合对国际主流模式分析基础上,在模式对比中分析我国农村小额信贷风险管理模式选择,并结合我国自身特点得出改善小额信贷风险管理的措施建议。
[Abstract]:China is a big agricultural country , and agriculture is the basic industry in the national production . It is the capital of the people ' s livelihood . In China ' s industrial and tertiary industries , the agricultural development is relatively slow . In the course of its 20 - year operation , the country has played a very important role in promoting the farmers ' income , solving the difficulty of farmers ' loan and low utilization rate of funds . This paper summarizes and analyzes the relevant research materials and research results of the rural micro credit risk management model at home and abroad , and puts forward corresponding risk management measures for the rural microfinance risk management model in combination with the theory research on the rural microfinance risk management . Before introducing the management model of micro credit risk in China , this paper summarizes the risk management experience which is worth using for reference . The micro credit management model includes Bangladesh GB model , Indonesia People ' s Bank and Bolivia Sunshine Bank rural microfinance development model . The model mainly compares and analyzes the advantages and disadvantages of each model from the aspects of its object , loan form and organization management structure , and summarizes the risk management experience which deserves our reference . On the basis of summarizing the experience of excellent management mode , this paper briefly introduces the development course and development situation of rural microfinance in our country , analyzes the applicability of the typical international rural microfinance risk management model in our country , and concludes the advantages and disadvantages of each model in our country . In the analysis of the operation of a rural credit cooperatives in our country , it is also found that the risk management pattern still has some problems in the operation of our country . It is necessary to explore the strategies and suggestions for improving the rural microfinance risk management according to the problem . The innovation of this article lies in : ( 1 ) In this paper , the rural micro credit risk management model is used as the research object , which makes up for the insufficient attention paid to the rural financial development mode . The rural microfinance is connected with the macro background of the country ' s development of the " three rural " macro background , the influence factors of the development of the rural microfinance development are studied , and suggestions are put forward to strengthen its risk management . ( 2 ) In this paper , the risk management model of rural microfinance in China is analyzed in this paper by establishing the data model , analyzing the influencing factors of the model and improving the conventional research methods of the measures . Based on the analysis of the international mainstream mode , the paper analyzes the choice of the rural microfinance risk management model in China , and puts forward some suggestions to improve the micro credit risk management in combination with the characteristics of our country .

【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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