中国农业银行L县支行农户贷款业务状况分析

发布时间：2018-05-17 08:11

本文选题：农行L县支行 + 农户贷款　；参考：《辽宁大学》2017年硕士论文

【摘要】：不断发展的农村经济必然少不了足够的资金支持,然而目前在我国农村地区发展过程中却存在着资金缺口,特别是对于农户以及中小微企业来说,资金不足的现象普遍存在。在农业银行进行商业化改革的过程中,为了节约成本以及集中优势,村镇地区的物理网点数量正在大规模减少。然而大型商业银行并没有把重心投入到农户贷款业务上,另外,很多商业银行并没有具体结合农户需求推出农户贷款相关产品,造成了农户对于资金的需求并不能得到有效满足。为了更好的发展农村金融,必然需要肩负服务农户为重任的农业银行提供层次更高的金融服务,必然要不断丰富农户贷款相关产品、提高对农户的服务意识,这样才能够使农村经济得到更好的发展。本文以农业银行L县支行为分析对象,自从农行L县支行推出农户贷款业务以来,有效扶持了当地农户和中小微企业的生产发展。然而在发展过程中也存在着一些问题,为了更好地扶持县域农村经济,农业银行L县支行需要对县域地区进行深入调研,大力推出有针对性的农户贷款相关产品。本文通过对该支行农户贷款业务相关资料进行收集,了解农行发放农户贷款的具体情况,从而对L县支行农户贷款业务发展现状进行具体分析,并像当地以及其他地区农商行、村镇银行在三农业务上取得的优秀成果进行学习借鉴,为农业银行L县支行农户贷款业务发展给出有效方案,从而达到农业银行L县支行惠农的主要目标。本文包括五个部分:第一部分是绪论,主要介绍了研究背景、目的及意义、创新与不足。第二部分是农业银行L县支行及农户贷款业务简介,主要介绍了农业银行L县支行总体情况、农业银行L县支行业务特色、农业银行L县支行农户贷款业务种类,包括农户贷款对公产品和个人产品。第三部分是分析农业银行L县支行农户贷款的主要业务、农户贷款的担保方式、农业银行L县支行在农户贷款方面采取的风险防范手段,以及农业银行L县支行在推进农户贷款业务方面所采取的措施;第四部分是分析了农业银行L县支行农户贷款业务在发展中存在的问题,主要是不良农户贷款比重上升以及农户贷款规模增长缓慢,造成这种情况的主要因素包括农业银行L县支行农户贷款担保问题难以落实、客户经理服务意识有待提高、农业银行L县支行农户贷款风险控制不足、缺乏有效的内部激励机制,以及渠道网点建设有待提高。第五部分是农业银行L县支行改进农户贷款业务的对策建议,包括创新农户贷款担保模式、强化客户经理的职责定位、加强农户贷款的风险管理,完善内部激励机制以及加强服务渠道建设。
[Abstract]:The continuous development of rural economy must not be without sufficient financial support. However, there is a fund gap in the development of rural areas in our country at present, especially for farmers and small and medium-sized enterprises, the phenomenon of lack of funds is widespread. In the course of commercial reform of Agricultural Bank, in order to save cost and concentrate advantages, the number of physical network in villages and towns is decreasing on a large scale. However, large commercial banks have not put their emphasis on farmers' loan business. In addition, many commercial banks have not specifically combined with the needs of farmers to produce products related to farmers' loans. As a result, farmers' demand for funds can not be effectively met. In order to develop rural finance better, it is necessary for the agricultural bank, which shoulders the responsibility of serving farmers, to provide a higher level of financial services, to enrich the farmers' loan-related products and to improve their service consciousness. Only in this way can the rural economy be better developed. This paper analyzes the behavior of L county branch of Agricultural Bank of China. Since the introduction of farmers' loan business in L county branch of Agricultural Bank of China, it has effectively supported the production and development of local farmers and small and medium-sized enterprises. However, there are some problems in the process of development. In order to better support the county rural economy, the L county branch of the Agricultural Bank of China needs to carry out in-depth investigation on the county area, and vigorously launch targeted farmer loan related products. In this paper, we collect the relevant information about the farmers' loan business of the branch bank, understand the specific situation of the agricultural bank's granting of the farmer's loan, and then make a concrete analysis of the present situation of the development of the farmers' loan business of the L county sub-bank, and like the local and other agricultural and commercial banks, The excellent achievements of village bank in agriculture, rural areas and farmers are studied and used for reference, and an effective scheme is given for the development of farmers' loan business in L county branch of Agricultural Bank, so as to achieve the main goal of agricultural bank L county branch to benefit farmers. This paper includes five parts: the first part is the introduction, mainly introduces the research background, purpose and significance, innovation and deficiency. The second part is the introduction of the bank L county branch and the farmers loan business, mainly introduces the general situation of the agricultural bank L county branch, the characteristics of the agricultural bank L county branch business, and the types of the agricultural bank L county branch farmer loan business. Including farmers loans to public products and personal products. The third part is the analysis of the main business of agricultural bank L county sub-bank farmers loans, the way to guarantee farmers' loans, the risk prevention measures taken by the L county branch of agricultural bank in the aspect of farmers' loans. And the measures taken by the L County Branch of Agricultural Bank in promoting the farmer loan business. The fourth part analyzes the problems existing in the development of the farmer loan business of the L County Branch of the Agricultural Bank of China. It is mainly due to the increase in the proportion of non-performing farmers' loans and the slow growth in the scale of farmers' loans. The main factors that cause this situation include the difficulty of implementing the guarantee of farmers' loans in L County Sub-Branch of Agricultural Bank, and the need to improve the service consciousness of customer managers. Agricultural bank L county branch farmers loan risk control is insufficient, lack of effective internal incentive mechanism, and channel network construction needs to be improved. The fifth part is the countermeasures and suggestions of the L county branch of Agricultural Bank to improve the farmer loan business, including innovating the farmer loan guarantee mode, strengthening the responsibility of the customer manager, and strengthening the risk management of the peasant household loan. Improve the internal incentive mechanism and strengthen the construction of service channels.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

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