黑龙江省M市农村信用社农户小额贷款风险控制研究

发布时间：2018-01-20 14:29

本文关键词： 农户小额贷款风险控制发放管理　出处：《吉林大学》2014年硕士论文　论文类型：学位论文

【摘要】：近些年，国家每一年通过中央一号文件加大了对农村经济的支持力度。伴随着农村经济的快速发展，金融必须给予极大的支持力度，，以及时给农村经济发展注入巨大活力，补充所需资金，用信贷的这一杠杆促进农村经济的发展。因此，从这一角度看，农村信用社农户小额贷款风险的大小就不仅会影响信用社企业自身的发展，更会极大的影响农村经济发展和农业结构调整。假如风险不能得到有效的管理和控制，将会对农村信用社的发展和我国新农村的建设发展极为不利。为此，笔者将通过对黑龙江省M市的农村信用社近三年农户小额贷款的发放状况进行调研。通过对管理现状的研究，对农信社的风险控制机制进行评价，并从利率、不良贷款指标等总结出M市农村信用社小额贷款当前存在的问题，并分析出当前小额贷款危机管理机制中出现问题的原因，并提出进一步完善农户小额贷款风险控制机制的对策。期待本研究能够为有效控制农户小额贷款发放和管理过程中的风险起到积极的指导作用。
[Abstract]:In recent years, the state has increased its support to the rural economy through the No. 1 document of the Central Committee every year. With the rapid development of rural economy, finance must give great support. In order to inject great vitality into rural economic development in time, replenish the required funds, and promote rural economic development with this lever of credit. Therefore, from this perspective. The small loan risk of rural credit cooperatives farmers will not only affect the development of credit cooperatives enterprises themselves. If the risk can not be effectively managed and controlled, it will be unfavorable to the development of rural credit cooperatives and the construction of new countryside in China. For this reason, the author will carry on the investigation to the rural credit cooperative of Heilongjiang Province M city in the past three years, through the research of the management present situation, carries on the appraisal to the risk control mechanism of the rural credit cooperative. And from the interest rate, non-performing loans and other indicators summed up the M City Rural Credit Cooperatives microfinance problems, and analyzes the current microfinance crisis management mechanism problems. It is expected that this study will play a positive role in controlling the risks in the process of issuing and managing small loans.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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