呼和浩特农村信用社农户贷款信用风险管理研究

发布时间：2018-04-29 17:07

本文选题：呼和浩特 + 农村信用社　；参考：《西北农林科技大学》2015年硕士论文

【摘要】：二十一世纪以来,我国社会经济得到了极大的进步和发展,市场是经济得以增长和流通的主要场所,在这个共同的经济场所中,信用是经济市场的主要脉搏,同时也是经济市场的基础。只有信用才能维持经济市场的平衡、规范。建立和谐、真实的经济市场的前提,就是建立良好的信用关系,信用在市场中占据着有利地位。近年来,随着我国农村经济发展脚步的不断加快,农村信用社的发展也迎来了前所未有的挑战,农户贷款作为当前农村信用社的一项主要业务,虽然能够在一定程度上满足广大农民的贷款需求,具有比较广阔的市场,但就目前农村信用社自身发展的现状来看,由于受到内外部诸多因素的影响,从而导致信用社农户贷款在信用风险的管理上仍然存在一些问题,比如说机制不健全、风险识别不足以及队伍建设滞后等,这些问题的存在势必会给农村信用社的发展造成巨大的经济损失。因此,对农户信贷以及信用风险进行全面了解,并以现阶段农村是信用社情况为依据,采取行之有效的管理对策是非常重要的,这既是确保农村信用社顺利发展的基础,也是促进农村经济可持续目标实现的重要依据。本文对呼和浩特农村信用社农户贷款信用风险管理进行研究和分析,从呼和浩特农村信用社农户贷款信用中存在的风险以及风险管理出发,探讨农信社信用风险管理中存在的问题,并在分析问题产生原因的基础上,从政府方面和农信社自身发展方面着手,探讨完善农信社发展的根本措施,借此希望为后期的农村信用社发展提供基础的依据。
[Abstract]:Since twenty-first Century, China's social economy has been greatly improved and developed. The market is the main place for economic growth and circulation. In this common economic place, credit is the main pulse of the economic market and the basis of the economic market. Only by credit can the balance of the economic market be maintained, and the harmony is established. The premise of the real economic market is to establish a good credit relationship and credit in the market. In recent years, with the rapid pace of the development of the rural economy, the development of rural credit cooperatives has also met unprecedented challenges. As a major business of the current rural credit cooperatives, the farmers' loan can be a major business. To a certain extent, to meet the needs of the farmers' loans to a certain extent, it has a relatively broad market. However, as far as the current status of the development of rural credit cooperatives is concerned, because of the influence of many factors inside and outside, the credit cooperatives' farmers' loans still exist in some problems in the management of credit risk, for example, the mechanism is not sound, and the risk knowledge is unsound. The existence of these problems will cause huge economic losses to the development of rural credit cooperatives. Therefore, it is very important to understand the credit and credit risk of farmers in an all-round way, and take the rural credit cooperatives at the present stage as the basis, and it is very important to take effective management countermeasures. The foundation of the smooth development of rural credit cooperatives is also an important basis for promoting the realization of the sustainable goal of rural economy. This paper studies and analyzes the credit risk management of rural credit cooperatives in Hohhot rural credit cooperatives. From the risk management of rural credit cooperatives in Hohhot rural credit cooperatives and risk management, the credit cooperatives' credit is discussed. On the basis of the analysis of the causes of the risk management, and on the basis of the analysis of the causes of the problems, the fundamental measures to improve the development of the rural credit cooperatives are discussed from the government and the development of the rural credit cooperatives.

【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.43

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