山东省农户小额信贷业务风险分析

发布时间：2018-04-02 08:42

本文选题：农户小额信贷　切入点：信用风险　出处：《山东大学》2014年硕士论文

【摘要】：面对城乡二元结构现象和解决“三农”问题,若想促进农民增收、发展农村经济和减轻农民负担,关键是资金问题。农业的资本积累较少,必须向农村、农业和农民注入资金,解决经济发展的瓶颈。在农村,能够改变金融需求和经济环境主要是农民,农户的金融需求决策,影响农村金融市场和金融机构的发展繁荣。最好的解决方式就是小额信贷。具体到山东省的农户小额信贷供给和需求,以及存在的具体风险等,以往研究不多,而基于该分析基础上的风险控制和模式建立以及具体的措施对策的研究则更少,本文将从这几个方面全面展开。本文的结构安排如下：第一章是介绍研究背景及意义、国内外研究动态和文献综述、研究思路和内容框架等。第二章是理论基础,包括农户小额信贷的基本概念、小额信贷产生的经济理论基础和农户小额信贷经济机理分析。第三章主要就山东省农户小额信贷业务现状进行考察,重点分析了小额信贷的需求和供给以及当前小额信贷业务风险控制措施和模式的现状。第四章主要对山东省农户小额信贷风险进行识别,分析了山东省农户小额信贷存在的问题和各种风险以及产生原因等,并以山东省宁阳县农信社为例进行解析。第五章分析探讨分期还款制度、团体贷款模式和第三方合作风险介入模式等风险控制措施和模式的改进,提出基于农户、信贷机构和政府角度考虑的小额信贷发展思路和对策。
[Abstract]:In the face of two structure in urban and rural areas and solving the "three rural issues", to promote the development of rural economy and increasing farmers' income, reduce farmer burden, the key problem is money. Agricultural capital accumulation is less to the rural areas, agriculture and farmers inject funds, solve the bottleneck of economic development in the rural areas, to change the financial demand and economic environment are mainly farmers, farmers' financial needs of the decision, influence the development and prosperity of rural financial markets and financial institutions. The best solution is microfinance. Specific to the Shandong Province Rural Micro Credit Supply and demand, as well as the existence of specific risk, previous research is not much, but the establishment on the basis of the analysis of the risk control and mode the research and Countermeasures Based on the concrete is less, this paper will unfold from several aspects.
This paper is organized as follows: the first chapter introduces the research background and significance, domestic and foreign research and literature review, research ideas and content framework. The second chapter is the theoretical basis, including the basic concepts of microfinance, analysis of economic theory and economic mechanism of microfinance microfinance. The third chapter mainly inspected the status of microfinance for farmers in Shandong Province, analyzes the demand and supply of microfinance and the microfinance business risk control measures and the current situation. The fourth chapter mainly analyze Shandong province microfinance risk, analyzes the existing problems of microfinance in Shandong province and all kinds of risk and the causes, and to Shandong province Ningyang County Rural Credit Cooperatives as an example for analysis. The fifth chapter analysis of repayment system, group lending mode and the third party cooperation in the wind The improved risk intervention model and other risk control measures and models, based on the farmers microfinance development ideas and Countermeasures of credit institutions and the government point of view.

【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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