本文選題：小額農(nóng)貸 + 信貸風(fēng)險(xiǎn)　； 參考：《山東大學(xué)》2013年碩士論文

【摘要】：小額農(nóng)貸起源于20世紀(jì)60年代的亞非拉發(fā)展中國家和地區(qū),經(jīng)過幾十年的發(fā)展,已經(jīng)成為緩解貧困、促進(jìn)就業(yè)的有效方式,它在農(nóng)村金融領(lǐng)域中已經(jīng)發(fā)揮出越來越重要的作用。我國小額農(nóng)貸的發(fā)展起步相對比較晚。小額農(nóng)貸在經(jīng)過三十年的發(fā)展后,特別是2005年以后,在各級政府部門的推動(dòng)下,農(nóng)村金融機(jī)構(gòu)的小額信貸業(yè)務(wù)全面展開,并且迅速發(fā)展。小額農(nóng)貸在拓寬資金運(yùn)用渠道、緩解農(nóng)村金融市場資金壓力、優(yōu)化農(nóng)村金融機(jī)構(gòu)業(yè)務(wù)結(jié)構(gòu)等方面起到了積極的作用。但是,也應(yīng)該看到,小額農(nóng)貸發(fā)展還存在一定的風(fēng)險(xiǎn),如普遍存在抗風(fēng)險(xiǎn)能力差、信息不對稱、管理不到位、制度不健全等特點(diǎn),從而使得小額農(nóng)貸普遍存在比較高的潛在違約風(fēng)險(xiǎn)。我國在大力發(fā)展農(nóng)村小額信貸,支持農(nóng)業(yè)生產(chǎn)的同時(shí),如何根據(jù)農(nóng)戶融資方式和風(fēng)險(xiǎn)特征采取行之有效的風(fēng)險(xiǎn)防范措施,在農(nóng)村經(jīng)濟(jì)法中實(shí)現(xiàn)農(nóng)戶與金融機(jī)構(gòu)的雙贏,具有重要的現(xiàn)實(shí)意義。 本文采用理論分析與實(shí)證分析相結(jié)合的方法,并且在實(shí)證過程中結(jié)合萊蕪市農(nóng)村信用社小額農(nóng)貸的發(fā)展現(xiàn)狀對該社面臨的信貸風(fēng)險(xiǎn)進(jìn)行分析。本文共分為六章,第一章為緒論,第二章為萊蕪市農(nóng)村信用社小額農(nóng)貸發(fā)展的現(xiàn)狀,第三章對萊蕪市農(nóng)村信用社小額農(nóng)貸的業(yè)務(wù)流程以及存在風(fēng)險(xiǎn)的原因進(jìn)行剖析,第四章首先介紹萊蕪市農(nóng)村信用社小額農(nóng)貸風(fēng)險(xiǎn)控制流程,然后構(gòu)建農(nóng)戶信用評級模型,最后采用個(gè)案分析檢驗(yàn)信用評級模型的有效性,第五章在理論分析與實(shí)證分析的基礎(chǔ)上,針對萊蕪市農(nóng)村信用社小額農(nóng)貸風(fēng)險(xiǎn)管理的具體情況,提出相關(guān)政策建議,第六章總結(jié)本文的主要結(jié)論,并且指出了本文存在的不足之處,以求改進(jìn)。
[Abstract]:Microfinance originated in the developing countries and regions of Asia, Africa and Latin America in the 1960s. After decades of development, it has become an effective way to alleviate poverty and promote employment. It has played a more and more important role in the field of rural finance. The development of small agricultural loans in China started relatively late. After 30 years of development, especially after 2005, the microfinance business of rural financial institutions has been launched in an all-round way and developed rapidly under the promotion of government departments at all levels. Small-scale agricultural loans play a positive role in widening the channels of fund utilization, alleviating the pressure on rural financial market funds, optimizing the business structure of rural financial institutions, and so on. However, it should also be noted that there are still certain risks in the development of small agricultural loans, such as poor ability to resist risks, asymmetric information, inadequate management, imperfect system, and so on. As a result, small agricultural loans generally exist relatively high potential risk of default. While developing rural micro-credit and supporting agricultural production, how to take effective risk prevention measures according to farmers' financing mode and risk characteristics, so as to realize the win-win situation between farmers and financial institutions in rural economic law. It has important practical significance. This paper adopts the method of combining theoretical analysis with empirical analysis, and analyzes the credit risk faced by Laiwu Rural Credit Cooperative in the light of the present situation of its development. This paper is divided into six chapters, the first chapter is the introduction, the second chapter is the current situation of Laiwu Rural Credit Cooperatives' development of small agricultural loans, the third chapter analyzes the business process and risk reasons of Laiwu Rural Credit Cooperatives' small agricultural loans. The fourth chapter first introduces the risk control process of Laiwu Rural Credit Cooperatives, then constructs the farmer credit rating model, and finally uses case analysis to test the validity of the credit rating model. The fifth chapter on the basis of theoretical analysis and empirical analysis, aiming at the specific situation of risk management of small agricultural loans in Laiwu Rural Credit Cooperatives, puts forward relevant policy recommendations. Chapter VI summarizes the main conclusions of this paper. And pointed out the shortcomings of this paper, in order to improve.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.43

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本文編號：1868058