河北ZD农村信用社小额信贷业务风险管理研究

发布时间：2018-09-10 12:52

【摘要】：作为一个农业大国,农村地区的经济发展对我国经济增速的贡献越来越大,因此,农村地区的金融需求应该受到特别重视。在满足农户金融需求、帮助农民尽快脱贫致富、促进农村经济繁荣的过程中,农村信用社的小额信贷业务起着举足轻重的作用。由于各种内外在原因,比如农户还款意识差、农村地区信用水平低、农村信用社风险识别、评估、控制制度不健全等,再加上小额信贷业务独特的性质,使得农村信用社在发放小额信贷过程中除了面临一般贷款业务的风险以外,还面临着特有的风险,这导致小额信贷业务的推广受到很大限制。为了使农村信用社更好的推广小额信贷业务,使农户小额信用贷款能更好的服务“三农”,真正起到满足农户金融需求、带动农村地区经济发展的作用,就必须认真分析小额信贷特点,主动识别小额信贷风险来源,对风险进行定量评估,在此基础上实现对小额信贷风险的控制。文章以河北ZD农村信用社为研究对象,结合其小额信贷业务发展状况,从内部监管和外部监管两个方面阐述了其风险管理现状,并总结了现阶段河北ZD农村信用社小额信贷业务风险监管过程中存在的问题；为了能够更好的识别和评估风险,文章在现有小额信贷风险识别和评估模型----Logit回归模型的基础上,借助SPSS软件甄选出相关性较强的因素,剔除了相关性较弱的变量,为河北ZD农村信用社建立了一套小额信贷风险识别和评估的技术体系；结合一系列的分析和研究,文章对农村信用社小额信贷业务风险管理提出了相关建议,包括建立规范的农户信用评级制度、确立完善的贷前调查流程、构建严格的贷款审查程序、实施独立的贷后追踪检查、建立健全责任追究制度等。
[Abstract]:As a large agricultural country, the economic development in rural areas contributes more and more to the economic growth of our country. Therefore, the financial needs of rural areas should be paid special attention to. In the process of meeting the financial needs of farmers, helping farmers to get rid of poverty and becoming rich as soon as possible, and promoting the prosperity of rural economy, the micro-credit business of rural credit cooperatives plays an important role. Due to various internal and external reasons, such as poor repayment consciousness of farmers, low credit level in rural areas, risk identification, evaluation and control system of rural credit cooperatives, and so on, coupled with the unique nature of microcredit business, Rural credit cooperatives in the process of issuing microcredit in addition to the risk of general loan business, but also face a unique risk, which leads to great restrictions on the promotion of microfinance business. In order to make the rural credit cooperatives better promote the micro-credit business and enable the farmers to provide better service for agriculture, rural areas and farmers, they can truly meet the financial needs of farmers and promote the economic development of rural areas. It is necessary to analyze the characteristics of microfinance, identify the source of microfinance risk, and evaluate the risk quantitatively, on the basis of which we can control the risk of microfinance. Taking Hebei ZD Rural Credit Cooperative as the research object and combining the development of its micro-credit business, this paper expounds the present situation of its risk management from two aspects: internal supervision and external supervision. In order to better identify and evaluate the risks, this paper is based on the existing microfinance risk identification and evaluation model -logit regression model, and summarizes the existing problems in the process of microfinance business risk supervision in Hebei ZD Rural Credit Cooperatives, and in order to better identify and evaluate the risks, this paper based on the existing microfinance risk identification and evaluation model-logit regression model. With the help of SPSS software to select the factors with strong correlation and eliminate the variables with weak correlation, a set of technical system for the identification and evaluation of microfinance risk is established for Hebei ZD Rural Credit Cooperative, which combines a series of analysis and research. This paper puts forward some relevant suggestions for the risk management of micro-credit business of rural credit cooperatives, including establishing a standardized credit rating system for farmers, establishing a perfect pre-loan investigation process, and constructing a strict loan examination procedure. Implement an independent post-loan follow-up inspection, establish and improve the accountability system.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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