HT县农行农户贷款风险防控研究

发布时间：2018-05-01 05:27

本文选题：农户贷款 + 服务三农　；参考：《山东理工大学》2017年硕士论文

【摘要】：重农固本,是安民之基。“十二五”期间,中央坚持把“三农”作为全党工作重中之重,不断完善强农惠农富农政策体系,“三农”工作取得显著成绩,是我国农业农村发展的有一个黄金期。与此同时各大银行也紧跟国家三农步伐,加快了三农金融业务政策指引的出台与实践。中国农业银行作为服务“三农”的国有商业银行,在三农金融领域一直发挥着重要的助力作用,不管是在创新三农金融业务方面,还是在加强三农信贷风险防控方面的丰硕成果都会为解决“三农”问题贡献力量。服务“三农”是中国农业银行的历史使命和责任,也是该行服务“三农”的必然选择和客观要求。但是要特别注意的是,伴随着银行个人贷款业务的快速发展,房贷、商业贷款、农户小额贷款都不同程度的有所提高,其潜在的信用风险、市场风险、操作风险、政策风险等也不同程度的暴露出来,其中“三农”业务的特殊性,包括三农客户本身的特点、客户从事的行业特点、提供担保方式的难度等决定了提供三农贷款服务的难度系数大,风险性高等特点,如何有效进行农户贷款风险评价及防控,是改善农户贷款可获得性,发展农村经济的基础,是服务好“三农”必须研究的重要课题。本文共分四个部分对HT县农行农户贷款风险防控进行研究,首先了解了国内外相关的理论研究成果,然后结合目前HT县农行农户贷款发展现状和内部人员结构特点,所表现出来的农户贷款风险防控现状,来分析农户贷款存在的潜在风险,其次调查研究了实际工作中应用的农户贷款风险评价体系存在的问题,诸如指标权重占比不到位、指标重复、指标不完整、执行不到位等,有针对性地构建了一套指标维度更细化、权重维度更合理的风险评估体系,再者为创新完善农户贷款风险防控的内部防控措施提出合理化建议,包括农户贷款整个过程的创新防控,以及贷款环节的操作人员、贷款业务、客户、体制机制等要素的创新防控,以一条较强的逻辑线贯穿农户贷款风险防控,以期对HT县农行管理当局提供参考。
[Abstract]:It is the foundation of the people to lay stress on the peasants and the people. During the 12th Five-Year Plan period, the Central Committee insisted on the "three rural areas" as the top priority of the whole party's work, and constantly improved the policy system of strengthening agriculture, farmers and rich peasants. The work of "agriculture, rural areas and farmers" has made remarkable achievements, which is a golden period for the development of agricultural rural areas in China. At the same time, the major banks follow the steps of agriculture, rural areas and farmers and quicken the issuance and practice of the three rural financial policy guidelines. Agricultural Bank of China, as a state-owned commercial bank serving agriculture, rural areas and farmers, has been playing an important role in the financial field of agriculture, rural areas and farmers, whether in innovating the financial business of agriculture, rural areas and farmers. The fruitful results in strengthening the prevention and control of credit risk of agriculture, rural areas and farmers will contribute to solving the problem of agriculture, rural areas and farmers. Serving agriculture, rural areas and farmers is the historical mission and responsibility of the Agricultural Bank of China, and it is also the inevitable choice and objective requirement for the Bank to serve the "three rural areas". However, we should pay special attention to the fact that, with the rapid development of the bank's personal loan business, housing loans, commercial loans, and farmers' small loans have all increased to some extent, with their potential credit risks, market risks, and operational risks. Policy risks are also exposed to varying degrees. Among them, the particularity of the "three rural areas" business, including the characteristics of the customers themselves, the characteristics of the industries engaged in by the customers, The difficulty of providing guarantee means determines the characteristics of the difficulty coefficient and high risk of providing loan service for agriculture, rural areas and farmers. How to effectively evaluate and control the risk of farmers' loans is the basis of improving the availability of loans for farmers and developing rural economy. It is an important subject that must be studied to serve well the "three rural areas". This article divides four parts altogether carries on the research to the HT county agricultural bank farmer loan risk prevention and control, first has understood the domestic and foreign correlation theory research result, then unifies the present HT county agricultural bank farmer loan development present situation and the internal personnel structure characteristic. The present situation of farmers' loan risk prevention and control is presented to analyze the potential risks of farmers' loans. Secondly, the problems of farmer loan risk evaluation system used in practical work are investigated and studied, such as the proportion of index weight is not in place. The index is repeated, the index is incomplete, the execution is not in place and so on. A set of risk assessment system with more detailed index dimension and more reasonable weight dimension is constructed. Furthermore, it puts forward some reasonable suggestions for innovating and perfecting the internal prevention and control measures of farmers' loan risk prevention and control, including the innovative prevention and control of the whole process of farmers' loans, as well as the operators of the loan links, loan business, customers, The innovation prevention and control of institutional mechanism and other elements, with a strong logic line through farmers loan risk prevention and control, in order to provide a reference for the management authorities of the Agricultural Bank of HT County.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

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