葫芦岛邮储分行蒜苗基地小额贷款项目风险管理研究

发布时间：2018-01-14 14:28

本文关键词：葫芦岛邮储分行蒜苗基地小额贷款项目风险管理研究　出处：《吉林大学》2014年硕士论文　论文类型：学位论文

【摘要】：市场经济的成长涉及的范围遍及所有交易场所，农村地区市场经济的发展也在潜移默化，支持农村市场经济发展的资金来源成为亟待解决的现实问题，小额贷款的推出让农村经济的发展看到了希望，也激发了从事农业生产人员致力于农业生产和发展的信心，承办小额贷款的组织形式有小额贷款机构、个人之间借贷形式、金融银行下设的小额贷款业务，邮政储蓄银行是新起的银行机构，，是政府部门指定的从事支持农业生产发展相关业务的大型银行机构，弥补了将金融机构对农业支持力度不足的现状。近年来，葫芦岛市各商业银行相继撤出农村网点，农村专项贷款难问题进一步突出，为解决农民贷款需求，邮政储蓄银行葫芦岛市分行特派考察组深入高桥农村，与当地蒜苗基地从事蒜苗种植农民零距离接触，详细询问农民需要，在市行领导的科研探讨下，专门开立高桥蒜苗基地专项小额贷款。本文以葫芦岛分行高桥蒜苗基地小额信贷项目作为研究对象，分析小额信贷项目风险的类型、成因，并对小额信贷项目风险进行评估。在介绍了高桥蒜苗基地小额信贷的基本情况基础上，指出目前葫芦岛分行小额信贷项目存在的风险报告自然风险、交易风险、信誉风险以及操作风险。而造成小额信贷风险中存在这些风险的原因主要有生产受气候、季节影响大；农户投资跟风性强市场敏感性不强；信用制度体系不完善；监管机能不健全。分析了高桥蒜苗基地小额信贷项目风险的类型和成因之后，依据系统性原则、重要性原则、敏感性原则构建了葫芦岛邮政银行高桥蒜苗基地小额信贷项目风险评估指标体系，通过主成分分析对小额信贷项目风险进行了评估。最后从四个方面就降低小额信贷风险提出了政策建议：首先，提高对信用和操作风险的控制能力。邮政银行葫芦岛市分行应尽快制定与完善相关的规范制度来保障高桥蒜苗基地小额贷款农户的信用稳定，专门制定高桥蒜苗基地小额专项贷款领域的法律法规，合理的运用风险评估体系增强了邮政银行葫芦岛门店的信誉风险监管方面的实力。操作风险在高桥蒜苗基地小额专项农户贷款风险管理中，贯穿贷前、贷中、贷后整个过程，涉及到邮政银行葫芦岛市分行经办此笔贷款的每一个人；其次，健全监管机制。明确邮政银行葫芦岛市分行小额贷款的金融机构的属性，出台对高桥蒜苗基地小额专项贷款监管的相关管理规范，操作流程。邮政银行葫芦岛市分行设定小额专项贷款的监管部门；再次，建立完善信用评级制度，建立专业的信用评级体系。引入第三方评级机构；最后，加强小额信贷业务和经营管理的创新。严格执行信贷政策，切实加强信贷精细化管理。加强业务创新，建立动态激励机制，大力发展零售业务。加强多方合作，提高金融产业部门之间的关联作用，完善小额专项贷款的发放环境。
[Abstract]:The scope of the development of the market economy to all trading venues, the development of market economy in the rural area also imperceptibly, support the development of rural market economy has become the source of funds needed to resolve the problem, small loans to allow the introduction of the development of the rural economy see hope, also inspired and engaged in agricultural production staff is committed to the production and development of agriculture confidence, undertake microfinance organization in the form of microfinance institutions, lending between individuals, financial bank under the small loan business, the postal savings bank banking institutions are new, large banking institutions designated by government departments in support of the development of agricultural production related businesses, financial institutions will make up for the current situation of insufficient agricultural support.
In recent years, Huludao city commercial banks have withdrawn from the rural network, rural special loan difficult problem more outstanding, to solve the farmers' demand for loans, the postal savings bank branch in Huludao City special investigation group in-depth Takahashi countryside, with local agricultural planting base in garlic fry garlic bolt people zero distance contact, asked in detail about the farmers need to explore, in the leadership of the city scientific research, dedicated to open special loan. Takahashi garlic bolt base
In this paper, Huludao branch Gaoqiao microfinance project base garlic bolt as the research object, the analysis of micro credit project risk types, causes, and the micro credit risk in project evaluation. This paper introduces the basic situation of microfinance on the base of garlic bolt Takahashi, the report pointed out that the risk of natural risk, present Huludao branch of microfinance project transaction risk, credit risk and operational risk. These risks and causes of micro credit risk in the main production affected by climate, seasonal changes; the investment of rural households follow the trend of strong market sensitivity is not strong; credit system is not perfect; the supervision function is not perfect. After analyzing the types and causes of high base micro credit project risk of Garlic Bolt Based on the importance, principle of system, principle, principle of constructing sensitivity of Huludao post bank micro credit base Takahashi garlic bolt Project risk assessment index system, using principal component analysis of micro credit project risk were evaluated. Finally, from the four aspects of reducing the risk of microfinance policy recommendations: first, improve the ability to control the credit and operational risk. The Bank branch in Huludao city should establish and perfect the regulations related to protect the Takahashi garlic bolt base small loans to farmers credit stability as soon as possible, special laws and regulations formulated base of small loans Takahashi garlic bolt field, reasonable use of risk assessment system to enhance the reputation of risk supervision of Huludao post bank stores the strength. The operation risk in the base of small loans to farmers Takahashi garlic bolt special risk management, through pre loan, loan, loan after the whole process, involving the Postal Bank branch in Huludao City, each person handling the loan; secondly, perfect the supervision mechanism of Ming Dynasty. Is the postal property of Huludao branch of Bank of small loans of financial institutions, the introduction of relevant management regulations, on the base of small loans Takahashi garlic bolt supervision procedure. The Postal Bank branch in Huludao City, set up supervision department small special loans; again, establish and improve the credit rating system, establish the credit rating system of professional introduction of third party rating agencies. Finally, strengthen the innovation of microfinance; business and management. The strict implementation of the credit policy, strengthen credit management fine. Strengthen business innovation, establish a dynamic incentive mechanism, the retail business of large development. To strengthen cooperation, improve the relationship between financial sectors, improve the micro special lending environment.

【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】：F272.3;F832.43

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