盘锦市农村信用社小额信贷风险控制研究

发布时间：2018-04-19 20:02

本文选题：农村信用社 + 小额信贷　；参考：《东北大学》2013年硕士论文

【摘要】：小额信贷是针对那些低收入人群发放额度小、周期短的贷款的行为,是一种比较特殊的金融方式。盘锦市农村信用社自推广小额信贷业务以来,不但为广大农户提供了资金上的帮助,也使农村信用社的发展方向更加明确。在支持“三农”发展,促进农村产业结构调整,规范农村金融秩序,促进农村信用文化建设等方面起到了不可替代的作用。但是在农村信用社小额信贷业务运营的过程中,由于农村地区存在信用环境差、农业基础设施薄弱、农民素质普遍不高、国家支持力度不够等多方面问题,使得盘锦市农村信用社小额信贷在发展过程中遇到了很大的风险,所以农村信用社要在农村地区取得快速发展就必须解决小额信贷风险控制问题。本文根据盘锦市农村信用社小额信贷业务现实状况,阐述了近几年来开展小额信贷业务取得的成效,深入剖析了小额信贷发展过程中面临的各种风险,将层次分析法运用到小额信贷的风险控制当中,用定性和定量相结合的方法来控制农村信用社小额信贷的风险,并针对问题逐一提出了完善风险控制体系等应对策略,同时,文中也对如何促进盘锦市农村信用社小额信贷业务的可持续发展提出了具体建议。
[Abstract]:Microcredit is a kind of special financial method, which is aimed at the low-income people with small amount and short period. Since the extension of micro-credit business in Panjin City, rural credit cooperatives have not only provided financial assistance for the majority of farmers, but also made the development direction of rural credit cooperatives more clear. It plays an irreplaceable role in supporting the development of "three rural areas", promoting the adjustment of rural industrial structure, standardizing the rural financial order, and promoting the construction of rural credit culture. However, in the course of the operation of the micro-credit business of rural credit cooperatives, there are many problems in rural areas, such as poor credit environment, weak agricultural infrastructure, low quality of farmers, insufficient state support and so on. It makes the rural credit cooperatives in Panjin City encountered great risks in the process of development, so rural credit cooperatives in order to achieve rapid development in rural areas, we must solve the problem of micro-credit risk control. According to the actual situation of microfinance business in Panjin rural credit cooperative, this paper expounds the results of developing microfinance business in recent years, and deeply analyzes the various risks in the process of microfinance development. This paper applies Analytic hierarchy process (AHP) to the risk control of micro-credit, uses qualitative and quantitative methods to control the risk of micro-credit in rural credit cooperatives, and puts forward some countermeasures to solve the problems, such as perfecting the risk control system, at the same time, The paper also puts forward some concrete suggestions on how to promote the sustainable development of rural credit cooperatives in Panjin.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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