潍坊市农村信用社小额信贷风险控制研究

发布时间：2018-06-06 01:16

本文选题：农村信用社 + 小额信贷　；参考：《中国海洋大学》2014年硕士论文

【摘要】：农村信用社小额信用贷款作为支持农民、农业、农村“三农”经济发展的国家政策措施,为农民提高自身收入、解决农民贷款难问题、推动农村地区经济发展等领域都做出了突出贡献,受广大农户所青睐。然而,由于农村信用社和农户本身的特殊性质,导致信用社在放贷过程中也出现了一些问题,如农户拖欠贷款、拒绝还款等现象,使得信用社在稳定经营业务方面出现了障碍。因此,有必要对目前小额信贷业务的发展以及出现的问题进行研究,不仅可以保障“三农”改革稳步进行更在一定程度上保护了信用社的经济利益。山东潍坊市从2000年起就在全国首创了以支农营销网络建设为指导,以农户信用评定贷款为核心的支农模式,成功的解决了农民贷款难和信用社难贷款的问题。随着经济的不断发展,山东潍坊市在2011年7月份推出新的贷款模式,进一步改善潍坊地区农村信用社小额贷款难问题,并获得了中国人民银行总行的认可。本文以潍坊市信用社为研究对象,从小额信贷风险控制的相关理论展开,从理论到实践,逐步完成了小额信贷风险控制的研究。首先,本文介绍了小额信贷风险控制的相关理论基础,包括小额信贷的定义及特征、小额信贷风险控制理论,详细阐述了信贷风险控制过程中涉及到的风险识别、风险评估、风险控制方法。接着,本文以潍坊市农信社小额信贷业务发展现状为依据,利用德尔菲法对信贷业务中可能存在的风险进行识别,包括自然风险、市场风险、信用风险、操作风险四部分,并进一步分析了产生风险的原因。进而,利用上文分析的风险因素进行了实际调研,并构建了潍坊市农信社小额信贷风险评价的指标体系,基于模糊层次分析法对潍坊市农信社小额信贷风险进行了综合评估。在评估过程中发现,潍坊市农信社小额信贷业务风险处于一般风险水平,说明潍坊市农信社在风险防范方面具有一定的成就,但仍要继续加强信贷风险防范工作。家庭投保情况、地区经济发展水平、借款人历史违约率、是否与信用社内部人员有联系等因素在很大程度上都对潍坊市农信社小额信贷风险产生影响。文章最后,结合潍坊市小额信贷风险评估的综合结果,并考虑到潍坊市农信社的实际经营情况,提出了加强潍坊市农信社小额信贷风险控制的方案措施,促进潍坊市农信社的良好发展。
[Abstract]:As a national policy measure to support the economic development of farmers, agriculture and rural areas, the small credit loans of rural credit cooperatives can raise their own income and solve the problem of farmers' loan difficulties. Promoting economic development in rural areas and other areas have made outstanding contributions, favored by the majority of farmers. However, due to the special nature of rural credit cooperatives and farmers themselves, there are also some problems in the process of credit cooperatives lending, such as farmers defaulting on loans, refusing to repay, and so on. Therefore, it is necessary to study the development and problems of microfinance business at present, which can not only protect the economic interests of credit cooperatives to a certain extent, but also guarantee the steady progress of the reform of agriculture, rural areas and farmers. Since 2000, Weifang City of Shandong Province has set up the agricultural support model with the guidance of the construction of supporting agriculture marketing network and the credit assessment loan of farmers, which has successfully solved the problems of difficult loans for farmers and hard loans for credit cooperatives. With the development of economy, in July 2011, Weifang City of Shandong Province introduced a new loan model to further improve the problem of small loans of rural credit cooperatives in Weifang area, and was recognized by the head office of the people's Bank of China. In this paper, Weifang credit cooperatives as the research object, from the micro-credit risk control theory, from theory to practice, gradually completed the micro-credit risk control research. First of all, this paper introduces the relevant theoretical basis of microfinance risk control, including the definition and characteristics of microfinance, microfinance risk control theory, the credit risk control process involved in the risk identification, risk assessment, Risk control method. Then, based on the current situation of the development of micro-credit business in Weifang Rural Credit Society, the paper uses Delphi method to identify the possible risks in the credit business, including natural risk, market risk, credit risk and operational risk. Furthermore, the causes of risk are analyzed. Then, using the risk factors analyzed above to carry on the actual investigation, and constructed the Weifang rural credit cooperatives micro-credit risk evaluation index system, based on the fuzzy analytic hierarchy process to Weifang rural credit cooperatives micro-credit risk comprehensive evaluation. In the course of evaluation, it is found that the risk of micro-credit business of Weifang Rural Credit Cooperative is at the general risk level, which indicates that Weifang Rural Credit Cooperative has some achievements in risk prevention, but it should continue to strengthen the work of credit risk prevention. Factors such as family insurance, regional economic development level, borrowers' historical default rate, whether they are related to the internal personnel of credit cooperatives, to a large extent, all have an impact on the micro-credit risk of Weifang Rural Credit Cooperative. Finally, combined with the comprehensive results of Weifang micro-credit risk assessment, and taking into account the actual operating situation of Weifang Rural Credit Cooperative, the paper puts forward some measures to strengthen the micro-credit risk control of Weifang Rural Credit Cooperative. To promote the good development of Weifang Rural Credit Cooperative.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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