河源市农村商业银行小额贷款风险控制研究

发布时间：2018-01-21 13:04

本文关键词： 小额贷款风险控制农村商业银行　出处：《仲恺农业工程学院》2014年硕士论文　论文类型：学位论文

【摘要】：小额贷款从20世纪70年代引入我国，用来帮助农村贫困人口通过贷款方式实现自主创业，对于改善贫困人口的生活现状，促进农村经济的发展有着巨大的积极作用。小额贷款可以说是金融机构的创新举措，主要针对贫困人口所提供的一项金融服务，具有贷款金额少、周期短、利率较低等特点，现在大多数农村商业银行都开办了小额贷款业务，旨在帮助农村贫困人口共同走向致富之路。但是由于农村地区信用环境较差，农民信用程度普遍较低等问题的存在，使农村商业银行在小额贷款过程中容易遭遇到各种风险，这在很大程度上阻碍了农村商业银行小额贷款业务的发展，因此有必要针对这个问题进行专题研究，促进农村商业银行小额贷款的健康持续发展。本文即围绕农村商业银行的小额贷款业务展开研究，以河源农村商业银行小额信贷的个案为例，综合运用定量分析和定性分析等方法，分析和预测小额信贷中所存在的各种风险，进而提出应对策略。本文首先综合介绍国内外关于小额信贷以及风险控制方面的研究成果，并且具体阐述了小额信贷的相关理论知识，然后分析了我国农村商业银行的发展现状，并结合河源农村商业银行的小额信贷为案例进行深入探讨和分析，运用系统分析、实证分析等方法综合分析农商行在小额信贷过程中可能遇到的风险，通过系统的风险识别和评估，结合实际情况提出有针对性的应对策略。由于小额贷款的特殊性和农村商业银行的管理水平限制，在应对小额信贷风险时，，应联合政府和金融监管部门，加强外部监控的力度，强化内部控制机制，实现从内到外的控制体系，同时还应从金融政策和法律法规方面辅助农村商业银行抵御信贷风险，达到全面增强农村商业银行小额信贷风险控制力度。
[Abstract]:Microfinance was introduced into our country in 1970s to help the rural poor to start their own businesses by means of loans, and to improve the living conditions of the poor. To promote the development of rural economy has a huge positive role. Microfinance can be said to be an innovative measure of financial institutions, mainly for the poor to provide a financial service, with a small amount of loans, short cycle. Interest rates are low, most of the rural commercial banks have started microfinance business, aimed at helping the rural poor to get rich together, but due to the poor credit environment in rural areas. The existence of problems such as the low credit degree of farmers makes the rural commercial banks easy to encounter various risks in the process of small loans, which to a large extent hinders the development of the small loans business of the rural commercial banks. Therefore, it is necessary to carry out special research to promote the healthy and sustainable development of small loans in rural commercial banks. This paper focuses on the rural commercial bank microfinance business research, taking the case of Heyuan rural commercial bank microfinance as an example, comprehensive use of quantitative analysis and qualitative analysis methods. Analysis and forecast of the risks in microfinance, and then put forward countermeasures. Firstly, this paper introduces the domestic and foreign research results on microfinance and risk control. And elaborated the microfinance related theory knowledge, then analyzed our country countryside commercial bank's development present situation, and unifies the Heyuan countryside commercial bank's microfinance as the case to carry on the thorough discussion and the analysis. Using system analysis, empirical analysis and other methods of comprehensive analysis of agricultural banks in the process of microfinance risks, through systematic risk identification and evaluation. According to the actual situation put forward targeted countermeasures. Because of the particularity of small loans and the management level of rural commercial banks restrictions should be coalition government and financial supervision department when dealing with microfinance risks. Strengthen the external monitoring, strengthen the internal control mechanism, realize the control system from the inside to the outside. At the same time, we should assist the rural commercial banks to resist the credit risk from the aspects of financial policy and laws and regulations. To achieve a comprehensive strengthening of rural commercial banks micro-credit risk control.
【学位授予单位】：仲恺农业工程学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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