厦门市农村信用社农户小额信贷风险控制研究

发布时间：2018-01-02 09:01

本文关键词：厦门市农村信用社农户小额信贷风险控制研究　出处：《云南农业大学》2016年硕士论文　论文类型：学位论文

【摘要】：近年来,农村信用社逐渐融入农村金融这个大世界里,成为了农村金融不可缺失的一部分,将“三农”推向更好更快的方向发展。其中农户小额信贷业务成为农村扶贫的重要举措。它能够缓解农民贷款难的问题,推动农村经济的发展,促进农业的增产增收。农信社是一种对农户有着专业服务态度的金融机构,在其经营效益和社会责任方面的生存发展对农信社的未来有着决定性的影响。但随着农户小额信贷业务的逐渐增多,加上自身的一些特殊性质,使得在其发放过程中面临一些问题以及比一般信贷业务更高的风险。通过农村信用社提供的数据可知,2014年我国的金融机构对农户的贷款产生的不良贷款率达到2.4%,而农信社中由于农户而产生的不良贷款率达5.4%。福建省全省在2014年由于农户产生的不良贷款余额为544.54亿元,不良贷款率为1.81%。就目前形势来看,控制农户小额信贷风险问题对福建省农信社的经济发展来说是十分重要十分迫切的。本文研究厦门市的农村信用社农户小额信贷风险控制,利用相关理论分析和实际情况的结合,对当前厦门市农村信用社农户小额信贷风险控制现状进行解剖,针对当前存在的农户文化水平较低,信用评级不准确,金融政策变化较快,小额信贷金融环境发展受影响,农村风险机制不完善等问题,本研究提出政府必须加强对农户信用意识的宣传,对借款人贷钱、贷中、贷后的管理和监督,严格审核借款人的信用评级,加强小额信贷金融环境建设,完善农村风险机制,不断创新,研发出更利民便民的小额信贷业务等对策,使得问题能够得到解决。
[Abstract]:In recent years, rural credit cooperatives have gradually integrated into the rural finance world and become an indispensable part of rural finance. To push the "three rural" to a better and faster direction of development. Among them, rural micro-credit business has become an important measure of poverty alleviation in rural areas. It can alleviate the problem of farmers' loans and promote the development of rural economy. The RCC is a kind of financial institution which has a professional service attitude to the farmers. The survival and development of its management efficiency and social responsibility has a decisive impact on the future of rural credit cooperatives. However, with the gradual increase of micro-credit business of farmers, plus some special properties of their own. It makes it face some problems and higher risk than the general credit business in the process of issuing. Through the data provided by the rural credit cooperatives we can know. In 2014, the non-performing loan rate of financial institutions to farmers reached 2.4%. In 2014, the balance of non-performing loans in Fujian province was fifty-four billion four hundred and fifty-four million yuan. The non-performing loan ratio is 1.81%. It is very important and urgent for the economic development of Fujian Rural Credit Cooperative to control the micro-credit risk of farmers. This paper studies the micro-credit risk control of rural credit cooperatives in Xiamen. Using the combination of relevant theory analysis and the actual situation, the paper dissects the present situation of controlling the micro-credit risk of rural households in Xiamen City, aiming at the low education level and inaccurate credit rating of the present farmers. The financial policy changes rapidly, the development of microfinance financial environment is affected, the rural risk mechanism is not perfect and so on. This study proposes that the government must strengthen the propaganda of farmers' credit awareness, loan money to borrowers, loan. After the loan management and supervision, strictly audit the credit rating of borrowers, strengthen the construction of microfinance financial environment, improve the rural risk mechanism, constantly innovate, and develop more user-friendly micro-credit business and other countermeasures. So that the problem can be solved.
【学位授予单位】：云南农业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.43

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