农行山西分行发展农村小额信贷策略研究

发布时间：2018-02-03 22:39

本文关键词： 农村小额信贷农业银行 SWOT 农村金融　出处：《太原理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：想要解决好“三农”问题，就必须解决好农业资金使用问题，而农村金融机构开展的小额信贷正好符合我国这一国情。农村小额信贷巨大的功效，农民对小额信贷高度的认同，其意义的重大是有目共睹。它解决了占人口比例相当大的农民的生活、生产急需的资金问题，成为了有效解决广大农民贷款难与农村经济资金发展困难的一项尤为重要的措施，受到广大农民群众的热烈欢迎。目前，虽然我国农村很多金融机构都开展了小额信贷业务，但由于信用机制的缺失及其小额信贷成本高，风险大等本身的特点，农民贷款难的问题仍没有从根本上得到解决。中国农业银行作为农村金融市场中的重要力量，在农村小额信贷的运作与管理方面也还存在着一些问题。在此背景下，有必要对其农村小额信贷运作方面做些研究，以利于其农村小额信贷的持续良好发展。服务城乡是中国农业银行一直履行的使命，也是农行业务的一个重点。对于农村小额信贷业务来说，由于农户的受教育程度参差不齐，行为的随意性强，风险承受能力弱，收入受自然条件影响大，因此很容易形成不良和呆账，交易成本相对较高，很多金融机构进入农村金融市场的意愿降低，农行山西分行现有的农村小额信贷业务还存在一定的缺陷，这就要求不断改善贷款的评估制度及流程，并制定出一套完善的营销模式来实现利润的最大化，本文的研究意义在于如果能够在控制风险的前提下得到稳定的利润，不仅对农业银行山西分行自身有益，而且能够吸引更多金融机构更多的资金投放到农村，使目前并不乐观的农村经济形势得以扭转。本文在阐述农村小额信贷相关概念、理论的基础上，结合当前农行山西分行发展农村小额信贷的现状，并运用SWOT分析，把握农行山西分行发展农村小额信贷业务的优势、劣势、机会、威胁，进一步提出了农行山西分行发展农村小额信贷的对策建议。本论文的研究内容主要分为以下几个部分：第一章绪论。主要介绍论文的选题背景、研究目的、意义，国内外相关研究综述，阐述了本文研究的内容、方法与创新点。第二章农村小额信贷的相关理论概述。对农村小额信贷的相关概念、理论基础等进程了总结梳理，为后卫分析奠定理论基础。第三章农行山西分行发展农村小额信贷的现状。结合当前我国农村小额信贷业务的概况及宏观发展环境，介绍了农业银行山西分行农村小额信贷业务流程、发展现状等。第四章农行山西分行发展农村小额信贷业务的SWOT分析，把握其存在的主要问题和不足。第五章农行山西分行发展农村小额信贷的对策建议。对农行山西分行小额信贷进行了业务创新和发展模式的构想，最后给出了该行农村小额信贷业务发展模式的对策和建议。第六章结论与展望。总结了本文的研究内容和成果，提出本文研究的不足之处以及未来研究的发展方向。本文的创新点：小额信贷具有的较好的经济效益与社会效益，，为扶贫还有农村经济的持续发展有着有力的支持，同时也为农村金融发展带来了一个更新的思维方式。在激烈的竞争中，农行山西分行的农村小额信贷业务要想得以发展，从竞争者中脱颖而出，就必须进行合理的改进。针对农行山西分行发展农村小额信贷业务过程中存在的诸多问题，本文从五大方面给出了相应的对策建议。
[Abstract]:To solve the problems, we must solve the problem of the use of funds in agriculture, rural financial institutions, microfinance is in line with this situation in our country. The efficacy of rural microfinance is huge, farmers microfinance highly recognized, its significance is obvious. It solves the population of peasants a large proportion of the life, the production of much-needed funds, has become an important measure to effectively solve the majority of loans to farmers and rural economic development funds difficult, warmly welcome the broad masses of peasants. At present, although China's rural financial institutions have carried out a lot of microfinance business, but due to the lack of credit mechanism the micro credit and high cost, high risk characteristics of itself, the problem of farmers loan is still not fundamentally solved. China Agricultural Bank as the rural financial market There are still some problems in the operation and management of rural microfinance. In this context, it is necessary to do some research on the operation of rural microfinance, which is conducive to the continuous and healthy development of rural microfinance.
Services in urban and rural areas is the Agricultural Bank of China has been fulfilling the mission, but also a focus of the bank business. For the rural microfinance business, because the level of education of farmers is uneven, the random behavior of strong, weak ability to bear risk, income is affected by natural conditions, so it is easy to form a bad and bad debts, the relatively high transaction costs and many financial institutions into the rural financial market will reduce, Agricultural Bank of China Shanxi branch of the existing rural microfinance business there are still some defects, which requires continuous improvement of systems and processes to assess, and set up a set of perfect marketing mode to maximize profits, the significance of this study is that if you can get stable the profit under the premise of risk control, not only for the Shanxi branch of the agricultural bank own interest, and will attract more funds of financial institutions In rural areas, the rural economic situation, which is currently not optimistic, has been reversed.
This paper focuses on the analysis of rural microfinance related concepts, theoretical basis, combining with the current situation of Agricultural Bank of China Shanxi branch of the development of rural microfinance, and the use of SWOT analysis, grasp the development of rural micro credit business of Agricultural Bank of China Shanxi branch of the advantages, disadvantages, opportunities and threats, and puts forward some countermeasures and suggestions of Agricultural Bank of China Shanxi branch of rural microfinance in one step. The main contents of the dissertation is divided into the following parts: the first chapter is introduction. It mainly introduces the research background, research purpose, significance, domestic and foreign related research, elaborated the research content, methods and innovation. The second chapter an overview of relevant theories of rural microfinance. The concept of rural microfinance the theoretical basis of the process of summing up, to lay the theoretical foundation for the analysis. The third chapter - Shanxi branch of Agricultural Bank of China rural microfinance. Combined with the current I General situation of rural micro credit business in China and the macro environment for the development, the Shanxi branch of the Agricultural Bank rural microfinance business development status. The fourth chapter analyzes the agricultural development of rural micro credit business of Shanxi branch of SWOT, grasp the main problems and shortcomings. The fifth chapter is Countermeasures of Agricultural Bank of China Shanxi branch of rural microfinance. Shanxi branch of Agricultural Bank of China microfinance was the concept of business innovation and development mode, finally the rural microfinance business development countermeasures and suggestions are given. The sixth chapter is conclusion and prospect. This paper summarizes the research contents and results, points out the inadequacies of this study and future research directions.
The innovation of this paper: microfinance has good economic and social benefits, for the sustainable development of poverty alleviation and the rural economy has a strong support, but also brought a new mode of thinking for the development of rural finance. In the fierce competition, the rural microfinance business of Agricultural Bank of China Shanxi branch to be the development of talent shows itself from competitors, must carry on the reasonable improvement. Aiming at the problems existing in Agricultural Bank of China Shanxi branch of the development of rural micro credit business process, this paper gives the corresponding countermeasures and suggestions from five aspects.

【学位授予单位】：太原理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

【参考文献】