农村信贷风险控制研究
发布时间：2019-02-24 09:34
【摘要】：随着国家扶持“三农”政策的深入贯彻实施，我国农村地区经济发展水平不断提高，银行业信贷支农力度持续加大。作为涉农贷款重要组成部分，农村贷款的规模也在逐年稳步增长，但受主客观因素的影响，农村金融创新仍普遍存在层次低、额度小、政策扶持缺位、难以满足“三农”发展需要等问题。 本文围绕着如何化解农村信贷的风险，展开了对农村信贷风险控制的应用研究。在了解了国内外研究现状的基础上，回顾了农村信贷的发展历程，对农村信贷风险进行了界定和分类，从农业产业、农民行为、农村区域三个方面探讨了农村信贷风险的特征；阐述了农村信用风险相关理论；分析了农村信贷风险的表现形式，从农村信贷风险控制的现状出发，探讨了农村信贷风险控制的难点与约束；提出了构建农村信贷风险评价指标体系的要求和农村信贷分析评价指标体系的总体思路；在农村信贷评价指标体系设计原则的基础上，构建了农村信贷风险评价指标体系，，对指标进行了说明，并设计了农户信用评分模板；根据设计的评分模板进行了实证分析，表明该评分模板具有一定的适用性；根据我国的具体实际情况提出了农村信贷风险控制的相应对策及建议，为农村信贷可持续发展提供了保障。
[Abstract]:With the implementation of the policy of "three rural areas" supported by the state, the level of economic development in rural areas in China has been continuously improved, and the credit support for agriculture in the banking industry has continued to increase. As an important part of agriculture-related loans, the scale of rural loans is steadily increasing year by year, but under the influence of subjective and objective factors, rural financial innovation is still generally low level, small amount, lack of policy support. Difficult to meet the "three rural" development needs and other issues. This paper focuses on how to resolve the risk of rural credit, and studies the application of rural credit risk control. On the basis of understanding the current research situation at home and abroad, this paper reviews the development course of rural credit, defines and classifies the rural credit risk, and probes into the characteristics of rural credit risk from three aspects: agricultural industry, farmer's behavior and rural area. This paper expounds the relevant theories of rural credit risk, analyzes the manifestation of rural credit risk, discusses the difficulties and constraints of rural credit risk control from the current situation of rural credit risk control. The paper puts forward the requirements of establishing the evaluation index system of rural credit risk and the general idea of the evaluation index system of rural credit analysis. On the basis of the design principle of rural credit evaluation index system, this paper constructs the evaluation index system of rural credit risk, explains the index, and designs the credit scoring template of farmers. According to the designed scoring template, the empirical analysis shows that the scoring template has a certain applicability; According to the actual situation of our country, this paper puts forward the corresponding countermeasures and suggestions of rural credit risk control, which provides the guarantee for the sustainable development of rural credit.
【学位授予单位】：西安科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43
本文编号：2429423
[Abstract]:With the implementation of the policy of "three rural areas" supported by the state, the level of economic development in rural areas in China has been continuously improved, and the credit support for agriculture in the banking industry has continued to increase. As an important part of agriculture-related loans, the scale of rural loans is steadily increasing year by year, but under the influence of subjective and objective factors, rural financial innovation is still generally low level, small amount, lack of policy support. Difficult to meet the "three rural" development needs and other issues. This paper focuses on how to resolve the risk of rural credit, and studies the application of rural credit risk control. On the basis of understanding the current research situation at home and abroad, this paper reviews the development course of rural credit, defines and classifies the rural credit risk, and probes into the characteristics of rural credit risk from three aspects: agricultural industry, farmer's behavior and rural area. This paper expounds the relevant theories of rural credit risk, analyzes the manifestation of rural credit risk, discusses the difficulties and constraints of rural credit risk control from the current situation of rural credit risk control. The paper puts forward the requirements of establishing the evaluation index system of rural credit risk and the general idea of the evaluation index system of rural credit analysis. On the basis of the design principle of rural credit evaluation index system, this paper constructs the evaluation index system of rural credit risk, explains the index, and designs the credit scoring template of farmers. According to the designed scoring template, the empirical analysis shows that the scoring template has a certain applicability; According to the actual situation of our country, this paper puts forward the corresponding countermeasures and suggestions of rural credit risk control, which provides the guarantee for the sustainable development of rural credit.
【学位授予单位】：西安科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43
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