农村小额信贷信用风险因素分析

发布时间：2018-07-03 02:11

本文选题：农村经济 + 小额信贷　；参考：《江西农业大学》2017年硕士论文

【摘要】：江西是中部地区重要的农业省份,农业在经济发展中占据重要的地位,因此“三农”的发展对于江西省经济社会进步来说意义重大,然而“三农”问题也是江西省经济建设中较为薄弱的环节。江西省十三五发展规划纲要中提出经济社会发展要“科学崛起、绿色发展、进位赶超”,“三农”问题的解决对江西省新农村建设和全面建设小康社会意义重大。农村农业经济的发展根本目的是推进农村居民增收,当前“三农”问题的突出矛盾体现在农村金融需求与供给的严重不平衡,这对农村经济建设带来很大阻碍,特别是农业生产、贸易、流通等资金短缺造成的生产力束缚。农村经济的健康有序发展,离不开金融支持,需要创新金融体系服务农业经济的各个方面。农村小额信贷是服务农业,发展农业的重要金融扶持政策,本文以综合运用定性、定量方法对江西省赣州市农村小额信贷发展现状、问题及原因进行研究分析,进而为其有效服务农村经济提供参考。首先,本文对选题背景、研究问题及农村小额信贷的相关理论进行分析,奠定本文研究的实践与理论背景。其次,针对江西省赣州市农村小额信贷需求与供应矛盾,运行模式等现状进行分析,从中解析出当前农村小额信贷供给能力不足、农村资金外流和农业保险发展迟滞等问题,并结合江西省赣州市农村经济发展情况、金融机构资金配置现状指出其小额信贷发展受到了农村经济自然特点、当前农村金融体制与农村金融生态环境等约束。再者,结合江西省赣州市农村小额信贷运行状况,综合分析其业务发展的风险因素,并借助二元logit模型对风险影响因素进行实际数据的计算验证。最后,结合江西省赣州市农村小额信贷困境、风险影响因素等分析,提出了创新农村金融支持形式、健全农村金融体制,完善风控机制和保险体系、创新和发展金融担保体系等对策建议,以期能够为江西省赣州市强化农村金融扶持,推进农业经济发展提供政策依据。
[Abstract]:Jiangxi is an important agricultural province in the central region, and agriculture plays an important role in economic development. Therefore, the development of "agriculture, rural areas and farmers" is of great significance to the economic and social progress of Jiangxi Province. However, the issue of agriculture, rural areas and farmers is also a relatively weak link in the economic construction of Jiangxi Province. In the outline of the 13th Five-Year Development Plan of Jiangxi Province, it is pointed out that the economic and social development should be "scientific rise, green development, carry overtaking", and the solution of the "three rural issues" is of great significance to the construction of the new countryside and the overall construction of a well-off society in Jiangxi Province. The fundamental purpose of the development of rural agricultural economy is to promote the increase of income of rural residents. At present, the prominent contradiction of the "three rural issues" is reflected in the serious imbalance between rural financial demand and supply, which brings great obstacles to the construction of rural economy. In particular, agricultural production, trade, circulation and other capital shortage caused by the constraints of productivity. The healthy and orderly development of rural economy can not be separated from financial support. It is necessary to innovate the financial system to serve all aspects of agricultural economy. Rural microfinance is an important financial support policy for serving agriculture and developing agriculture. This paper studies and analyzes the present situation, problems and causes of rural microfinance development in Ganzhou City, Jiangxi Province by comprehensive use of qualitative and quantitative methods. And then provide reference for its effective service rural economy. First of all, this paper analyzes the background, research problems and related theories of rural microfinance, and establishes the practical and theoretical background of this paper. Secondly, based on the analysis of the contradiction between the demand and supply of rural microfinance in Ganzhou, Jiangxi Province, and the operating mode, the problems such as insufficient supply capacity of rural microfinance, the outflow of rural funds and the slow development of agricultural insurance are analyzed. Combined with the development of rural economy in Ganzhou City, Jiangxi Province, the present situation of fund allocation of financial institutions points out that the development of microfinance is restricted by the natural characteristics of rural economy, the current rural financial system and the rural financial ecological environment. Furthermore, combined with the running situation of rural micro-credit in Ganzhou, Jiangxi Province, the risk factors of its business development are comprehensively analyzed, and the actual data of risk factors are verified by using the binary logit model. Finally, based on the analysis of rural microfinance dilemma and risk factors in Ganzhou City, Jiangxi Province, this paper proposes to innovate the rural financial support form, perfect the rural financial system, perfect the wind control mechanism and insurance system. The countermeasures and suggestions of innovating and developing financial guarantee system can provide policy basis for strengthening rural financial support and promoting the development of agricultural economy in Ganzhou City Jiangxi Province.
【学位授予单位】：江西农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

【参考文献】