精准扶贫政策背景下农村信用卡业务风险评价与防范研究

发布时间：2018-01-15 19:38

本文关键词：精准扶贫政策背景下农村信用卡业务风险评价与防范研究　出处：《青岛科技大学》2017年硕士论文　论文类型：学位论文

【摘要】：社会和谐及国家繁荣昌盛的基础是人们生活的安逸,因此我国“十三五”期间的目标就是全面建成小康社会,扫清贫困人口数量,尤其是农村地区贫困人口要全面扫除。要实现农村地区的脱贫目标,国家和社会的资金支持不可或缺,通过高额的经济扶持来盘活整个农村地区的相关产业发展,让农民的收入提高不止一个档次。但各商业银行出于自身利益的考虑,很少愿意向农户提供金融支持,综合农户抵押物不足和单笔资金需求额小的这两个特点,这样具有小额循环信贷功能典型的个人无担保和无抵押循环信贷产品——信用卡似乎能够很好的弥补这些问题,可以在我国的农村金融市场生根发芽。本文首先从目前我国金融扶贫的现状出发,梳理了国内外金融扶贫的研究理论。深入剖析了信用卡的本质——循环信用信贷产品,这款可以解决农村无抵押、无担保“授信难”问题,提出了“农村信用卡”的概念,农村信用卡目标定位是一款专门面向农村市场发行的具有一般信用卡功能并附带免息期长且固定、分期付款手续费低、紧急提现规定时间内还款无利息、使用良好可衍生申请中长期贷款等多种独特功能的可以用于丰富农村扶贫资金来源,提供足额扶贫资金的创新金融产品。然后探讨了农村信用卡的两种运作模式:新农合透支垫付信用卡、家庭为单位的农村信用卡。针对农户信贷需求、受访者对信用卡及风险了解程度等几个方面进行了问卷调查。根据调查样本搭建了农村信用卡风险评价体系,采取科学的风险评价方法评价农村信用卡的风险。并基于评价结论提出相应的对策建议,即在全社会倡导先进的信用卡风险管理理念和文化,增强农村信用卡持卡人的风险意识、信用意识,从而构建全面而系统的农村信贷模式,而银行需要严格审批农村信用卡业务,对信用卡的使用进行追踪和反馈,通过引导农民购买农村信用卡保险进一步对信用卡风险进行风险补偿。
[Abstract]:The foundation of social harmony and national prosperity is the comfort of people's life. Therefore, the goal of our country during the 13th Five-Year Plan period is to build a well-off society in an all-round way and clear up the number of poor people. In particular, the poor in rural areas should be completely eliminated. In order to achieve the goal of poverty eradication in rural areas, the financial support of the state and society is indispensable. Through the high level of economic support to stimulate the development of related industries throughout the rural areas, so that the income of farmers to improve more than one level, but the commercial banks out of their own interests. Very few willing to provide financial support to farmers, combined with the lack of mortgage farmers and a single small amount of capital demand of these two characteristics. Credit cards, typically individual unsecured and unsecured revolving credit products with micro-revolving credit functions, seem to make up for these problems. It can take root and sprout in the rural financial market of our country. Firstly, this article starts from the present situation of financial poverty alleviation in our country. Combing the domestic and foreign financial research theory of poverty alleviation, in-depth analysis of the nature of credit cards-circular credit products, this section can solve the rural unsecured, unsecured "difficult" problem. This paper puts forward the concept of "rural credit card". The target orientation of rural credit card is a general credit card with the function of general credit card issued for the rural market, with long and fixed interest-free period and low installment fee. Emergency withdrawals within a specified period of time no interest, the use of good derivative applications for medium- and long-term loans and other unique functions can be used to enrich the sources of rural poverty relief funds. The paper discusses two operation modes of rural credit card: new rural cooperative overdraft credit card, rural credit card with family as the unit, and aiming at the farmers' credit demand. The interviewees conducted a questionnaire survey on credit card and risk understanding, and set up a rural credit card risk evaluation system according to the survey samples. Adopt the scientific risk evaluation method to evaluate the risk of rural credit card, and based on the evaluation conclusions, put forward the corresponding countermeasures and suggestions, that is, to advocate the advanced credit card risk management concept and culture in the whole society. Strengthen the rural credit card holders' risk awareness, credit awareness, so as to build a comprehensive and systematic rural credit model, and banks need to strictly approve rural credit card business, to track and feedback the use of credit cards. Through guiding farmers to purchase rural credit card insurance further risk compensation for credit card risk.
【学位授予单位】：青岛科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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