湖南省YZ银行农村小额贷款风险控制研究

发布时间：2018-05-10 22:18

本文选题：湖南省YZ银行 + 小额贷款　；参考：《湘潭大学》2014年硕士论文

【摘要】：农村小额贷款是湖南省YZ银行贷款业务的重要组成部分，为服务“三农”提供了有力的资金支持，随着湖南省整体经济实力的提升，目前农村地区的资金供求缺口较大，加上农信社小额贷款的垄断、民间金融机构繁多、风险控制机制不完善等因素，湖南省YZ银行面临着激烈的竞争和阻碍。湖南省YZ银行农村小额贷款业务能否获得持续发展的空间，采取稳中求进的战略非常关键，即不断完善业务结构和完善风险控制。本文将重点围绕湖南省YZ银行农村小额贷款的风险控制问题展开研究，为保证研究的针对性、科学性，本文根据自身工作经历与相关理论、数据对湖南省YZ银行农村小额贷款业务风险控制的现状、存在的问题展开分析，并提出优化措施。首先在农村小额贷款风险控制理论的分析中，把握小额贷款的特征与发展趋势，从银行角度分析风险的表现形式，同时运用博弈论分析农村小额贷款的风险控制机理，在此基础上阐述了农村小额贷款的风险控制机制；其次立足于湖南省YZ银行小额贷款的发展现状，分析了湖南省YZ银行农村小额贷款业务面临的主要风险，从贷前风险控制、贷中风险控制及贷后风险控制三个环节分析了农村小额贷款的风险控制现状，，并从风险识别、评估、农户信息采集及内部管理四个方面揭示风险控制的不足；最后根据优化设计思想与原则，提出优化农户生产信息采集机制识别自然风险，业务受理过程中严格审查客户信息识别客户风险，员工定期参加培训提高风险意识，优化农户信息审查与信用等级评估机制，优化农户小额贷款流程与风险控制机制四个方面的具体优化措施，根据优化重点从员工培训、网点与农户的沟通机制、风险控制执行力、权责体系、内部激励机制、诚信文化六个方面的优化保障措施。
[Abstract]:Rural microfinance is an important part of the loan business of Hunan YZ Bank, which provides powerful financial support for serving the "three rural areas". With the upgrading of the overall economic strength of Hunan Province, the gap between the supply and demand of funds in rural areas is large at present. With the monopoly of micro-credit in rural credit cooperatives, various private financial institutions, imperfect risk control mechanism and other factors, Hunan YZ Bank is facing fierce competition and obstacles. Whether YZ Bank of Hunan Province can obtain the space of sustainable development of rural microfinance business, adopt the strategy of steady progress, that is, constantly improve the business structure and improve risk control. In order to ensure the pertinence and scientific nature of the study, this paper will focus on the risk control of rural small loans in YZ Bank of Hunan Province, according to its own work experience and relevant theories. The data analyzes the current situation and problems of risk control of rural micro-loan business in YZ Bank of Hunan Province, and puts forward some optimization measures. Firstly, in the analysis of risk control theory of rural small loans, we grasp the characteristics and development trend of small loans, analyze the forms of risk from the perspective of banks, and use game theory to analyze the risk control mechanism of small loans in rural areas. Based on the analysis of the risk control mechanism of rural micro-credit, the paper analyzes the main risks faced by YZ Bank of Hunan Province, and analyzes the risk control before lending, based on the current situation of the development of micro-credit in YZ Bank of Hunan Province, and analyzes the main risks faced by YZ Bank of Hunan Province in rural micro-loan business. Risk control and post-loan risk control in the loan analysis of the risk control status of small loans in rural areas, and from the risk identification, evaluation, information collection and internal management of farmers to reveal the lack of risk control; Finally, according to the idea and principle of optimization design, the paper puts forward to optimize farmers' production information collection mechanism to identify natural risks, strictly examine customer information to identify customer risks in the process of business acceptance, and staff regularly participate in training to raise risk awareness. Optimize the farmer information review and credit rating evaluation mechanism, optimize the farmer small loan flow and risk control mechanism of four aspects of specific optimization measures, according to the optimization focus from staff training, network and farmers communication mechanism, Risk control executive power, power and responsibility system, internal incentive mechanism, integrity culture of six aspects of the optimization of security measures.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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