本文關(guān)鍵詞：新建農(nóng)商行“支農(nóng)支小”貸款管理問(wèn)題研究　出處：《江西農(nóng)業(yè)大學(xué)》2016年碩士論文　論文類型：學(xué)位論文

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【摘要】：當(dāng)前國(guó)家高度關(guān)注的“三農(nóng)”問(wèn)題是指城市與農(nóng)村發(fā)展不同步,結(jié)構(gòu)不協(xié)調(diào)。隨著農(nóng)產(chǎn)品種類和產(chǎn)量的加大,農(nóng)村出現(xiàn)了供大于求,農(nóng)民收入低、貸款難的現(xiàn)象,為緩解此現(xiàn)象,江西省農(nóng)村信用社(農(nóng)商銀行)提出了“支農(nóng)支小”的貸款項(xiàng)目,該項(xiàng)目主要服務(wù)對(duì)象是農(nóng)戶和小微企業(yè),以其信用為據(jù)進(jìn)行信貸發(fā)放�！爸мr(nóng)支小”貸款作為一項(xiàng)重大政策,不僅能增強(qiáng)信貸支農(nóng)功能,也能解決農(nóng)戶貸款難的困境。但是“支農(nóng)支小”貸款在快速發(fā)展的過(guò)程中也存在一些問(wèn)題。首先,農(nóng)商行所面對(duì)的貸款客戶主要是比較落后的農(nóng)民、農(nóng)戶,貸款對(duì)象的不成熟造成貸款風(fēng)險(xiǎn)高且貸后管理較難;其次,農(nóng)商行本身存在著政策包袱過(guò)重、體制不健全、內(nèi)部管理較差等問(wèn)題,在“支農(nóng)支小”貸款的發(fā)放和運(yùn)行中存在著許多理論和實(shí)踐上的不足。本文主要意義在于通過(guò)實(shí)際案例以新建農(nóng)商行“支農(nóng)支小”貸款管理中存在的問(wèn)題進(jìn)行研究,總結(jié)出“支農(nóng)支小”貸款管理優(yōu)化的措施,從而使農(nóng)村信用社能更好地進(jìn)步,促進(jìn)農(nóng)村金融的科學(xué)發(fā)展。針對(duì)上述目的,本文主要從農(nóng)商行“支農(nóng)支小”貸款管理和發(fā)放現(xiàn)狀等方面來(lái)研究,以新建農(nóng)商行為例,對(duì)新建農(nóng)商行“支農(nóng)支小”貸款的總體發(fā)展情況進(jìn)行介紹,包括區(qū)域經(jīng)濟(jì)狀況與行業(yè)競(jìng)爭(zhēng)分析、農(nóng)戶和小微企業(yè)對(duì)“支農(nóng)支小”貸款的需求情況等。主要運(yùn)用數(shù)據(jù)統(tǒng)計(jì)分析法介紹新建農(nóng)商行“支農(nóng)支小”貸款發(fā)放規(guī)模及市場(chǎng)占比,農(nóng)商行企業(yè)經(jīng)營(yíng)思想、貸款服務(wù)對(duì)象、貸款機(jī)制、金融產(chǎn)品等方面介紹新建農(nóng)商行“支農(nóng)支小”貸款管理情況,并且結(jié)合國(guó)內(nèi)外銀行貸款發(fā)放和管理方面的經(jīng)驗(yàn),通過(guò)前面章節(jié)的理論研究及統(tǒng)計(jì)分析,對(duì)管理各個(gè)方面深入研究,從而提出好的管理對(duì)策。
[Abstract]:At present, the problem of "agriculture, countryside and farmers", which is highly concerned by the country, is that the development of city and countryside is out of step and the structure is not in harmony. With the increase of agricultural products and output, the supply in rural areas exceeds the demand, and the farmers' income is low. In order to alleviate this phenomenon, Jiangxi Rural Credit Cooperatives (RCCs) put forward the loan project of "supporting Agriculture and supporting small branches", which mainly serves farmers and small and micro enterprises. As an important policy, the loan can not only strengthen the function of supporting agriculture, but also strengthen the function of supporting agriculture. But there are some problems in the process of the rapid development of the loan. First of all, the loan customers are mainly backward farmers, farmers. The immaturity of the loan object leads to the high risk of the loan and the difficulty of the management after the loan; Secondly, there are some problems such as excessive policy burden, imperfect system, poor internal management and so on. There are many theoretical and practical deficiencies in the issuance and operation of the loan. The main significance of this paper is to build a new agricultural and commercial bank "supporting agriculture branch small" through practical cases. The problems in loan management are studied. This paper summarizes the measures to optimize the loan management of "supporting agriculture and supporting small" loans, so that rural credit cooperatives can make better progress and promote the scientific development of rural finance. This article mainly from the agricultural commercial bank "support agriculture branch" loan management and the present situation and so on aspect studies, takes the new agriculture commercial bank as an example, carries on the introduction to the new agriculture commercial bank "support the agriculture branch" the loan overall development situation. Including the regional economic situation and industry competition analysis. The paper mainly introduces the scale and market proportion of the new agricultural bank's "supporting agriculture branch small" loan and the management thought of the agricultural and commercial bank by using the statistical analysis method of data on the demand of farmers and small enterprises to the loan of "supporting agriculture branch". Loan service object, loan mechanism, financial products and other aspects of the new agricultural bank "support agricultural support small" loan management situation, and combined with the domestic and foreign bank loan issuance and management experience. Through the theoretical research and statistical analysis of the previous chapters, this paper makes a thorough study of all aspects of management and puts forward good management countermeasures.
【學(xué)位授予單位】：江西農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F832.35

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