黑龙江省农行农户贷款信用风险问题及对策研究

发布时间：2019-02-13 11:47

【摘要】：随着我国社会各界近年来对“三农”关注程度和支持力度的不断提升,农户贷款作为金融机构商业化支持农业生产经营的重要手段,其重要性不断提升,但在业务发展的过程中,农民信用意识较差,农户贷款违约率较高的问题也一直困扰着各家金融机构,黑龙江省农行从自身社会责任和政治责任出发,对农户进行信贷资金支持更是责无旁贷。因此,如何在业务发展的过程中,既做到农户贷款的有效投放,助力精准扶贫、推动农业生产,体现商业价值,又做到信用风险的有效控制,保证资产质量、控制信贷风险,实现良性发展,就成为了摆在相关农行员工面前的一道信贷难题。基于以上背景,本文试图从黑龙江省农行农户贷款信用风险分析的角度出发,采取博弈模型法、文献法、案例法等方式,按照确定问题、分析原因、提出对策的流程,依托模型得出结论,并结合文献理论和业务发展实际案例加以论证。按照这一研究思路,本文首先以国内外各项理论研究为基础,明确农户贷款存在的内外部信用风险,根据实际案例归纳信用风险问题,在业务发展背景下细致分析黑龙江省农行农户贷款业务在发展过程需面对的各项挑战。继而利用博弈论模型分析信用风险问题,将其成因归结为主观原因和客观原因两类原因,对农户生产经营能力不足、信用意识淡薄、抗灾能力薄弱等一系列主观原因进行分析,同时详述客观环境造成农户贷款出现信用风险的原因,而后从贷款准入、业务调查、强化担保、创新模式和贷后管理等多个角度提出黑龙江省农行农户贷款信用风险防范的内部对策,并围绕完善农村地区征信体系、三权确权流转体系建设等热点问题,针对现有县域地区信用环境为相关部门提出建议,以期进一步防范农户贷款信用风险,在实现银行商业化利润的同时优化县域农户贷款的整体氛围,逐步解决农民“贷款难、贷款贵”的难题。
[Abstract]:With the increasing attention and support to agriculture, rural areas and farmers in recent years, as an important means of commercializing financial institutions to support agricultural production and management, the importance of farmers' loans has been increasing. However, in the process of business development, farmers' credit awareness is poor, and the problem of high default rate of farmers' loans has been troubling various financial institutions. The Agricultural Bank of Heilongjiang Province starts from its own social and political responsibilities. To the peasant household carries on the credit fund support is duty-bound. Therefore, in the process of business development, not only the effective investment of farmers' loans, the precision of poverty alleviation, the promotion of agricultural production, the embodiment of commercial value, but also the effective control of credit risks can ensure the quality of assets and control credit risks. To achieve sound development, has become a credit problem in front of the relevant Agricultural Bank employees. Based on the above background, this paper tries to use the game model method, the literature method, the case law and so on from the angle of the agricultural bank of Heilongjiang province to analyze the credit risk of the farmers, according to the determination of the problem, analysis the reasons, put forward the process of countermeasures. Draw a conclusion based on the model, and combined with the literature theory and practical cases of business development to demonstrate. According to this research train of thought, this paper firstly makes clear the internal and external credit risk of peasant household loan based on the theoretical research at home and abroad, and sums up the credit risk problem according to the actual cases. Under the background of business development, this paper analyzes the challenges in the development process of agricultural bank of Heilongjiang province. Then using the game theory model to analyze the credit risk problem, the causes can be divided into two kinds of reasons: subjective reason and objective reason. A series of subjective reasons, such as insufficient production and management ability, weak credit consciousness, weak ability to resist disasters, are analyzed. At the same time, it details the reasons for the credit risk caused by the objective environment, and then from the perspective of loan access, business investigation, and strengthening the guarantee, This paper puts forward the internal countermeasures to prevent the credit risk of agricultural households in Heilongjiang Province from the innovative mode and the management after loan, and focuses on the hot issues, such as perfecting the credit information system in rural areas and the construction of the transfer system of the three rights to confirm the right, and so on. In view of the existing county area credit environment, this paper puts forward some suggestions for the relevant departments, in order to further guard against the credit risk of farmers' loans, optimize the overall atmosphere of the county farmers' loans while realizing the commercial profits of the banks, and gradually solve the difficulties of the farmers' loans. The problem of expensive loans.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

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