中国农村贷款内外部风险来源与防范——兼谈第三方参与风险防范体系的建立

发布时间：2018-01-02 22:30

本文关键词：中国农村贷款内外部风险来源与防范——兼谈第三方参与风险防范体系的建立　出处：《商业时代》2014年20期 　论文类型：期刊论文

【摘要】：农村贷款风险一直难以化解,一方面源于农户经济与素质的双重薄弱,另一方面由于银行管理与评估的困难性。本文从我国农村贷款风险的源头出发,系统分析风险的来源,并深入探究当前农村贷款风险的防范措施及问题,且在基于风险来源与当前防范措施的基础上提出相应对策。研究发现,我国农村贷款风险主要源于农村还贷信用的缺乏以及银行的评估虚置,基于此,本文提出应加强风险评估的第三方专业风险评估机构的介入。
[Abstract]:Rural loan risk has been difficult to resolve, on the one hand because of the double weakness of farmers' economy and quality, on the other hand, because of the difficulty of bank management and evaluation. System analysis of the source of risk, and in-depth exploration of the current rural loan risk prevention measures and problems, and on the basis of risk sources and current preventive measures to put forward the corresponding countermeasures. The risk of rural loans in China is mainly due to the lack of credit in rural areas and the virtual evaluation of banks. Based on this, this paper puts forward that the intervention of third-party professional risk assessment institutions should be strengthened.
【作者单位】：石家庄邮电职业技术学院;
【基金】：河北省社科基金项目“河北省银行业支持小微企业发展对策研究”,项目批准号HB13JJ015
【分类号】：F832.4
【正文快照】： 引言金融供给严重不足,贷款缺口非常大,已经成为制约农村发展的重要瓶颈。农村贷款难主要因为农村贷款风险无法有效规避,银行农村贷款呆账率居高难下。国内许多学者对农村贷款风险作了研究,主要涉及贷款风险表现、风险控制以及担保机制等。曹琳(2013)认为我国农村贷款风险主要

【相似文献】