本文選題：小額貸款 + 農(nóng)村合作銀行��； 參考：《南京農(nóng)業(yè)大學(xué)》2013年碩士論文

【摘要】：國家長期以來高度重視農(nóng)村經(jīng)濟(jì)發(fā)展問題,在中央促進(jìn)農(nóng)村經(jīng)濟(jì)發(fā)展的政策措施中,都把金融加大對(duì)農(nóng)村經(jīng)濟(jì)的支持作用放在十分重要的位置,同時(shí)也對(duì)發(fā)展小額貸款業(yè)務(wù)提出了明確要求。作為農(nóng)村金融的主力軍,農(nóng)村合作金融系統(tǒng)發(fā)展小額貸款是貫徹落實(shí)國家農(nóng)村金融政策、切實(shí)解決“三農(nóng)”問題、做好農(nóng)村金融服務(wù)的客觀要求。而由于農(nóng)村特殊的金融生態(tài)環(huán)境和市場(chǎng)競(jìng)爭(zhēng)狀態(tài),使得發(fā)展小額信貸業(yè)務(wù)成為農(nóng)村合作金融機(jī)構(gòu)提升核心競(jìng)爭(zhēng)力的手段,發(fā)展小額貸款業(yè)務(wù)是發(fā)達(dá)地區(qū)農(nóng)村合作金融機(jī)構(gòu)的必然選擇。中央促進(jìn)農(nóng)村經(jīng)濟(jì)發(fā)展的政策為小額貸款的發(fā)展拓寬了空間,小額貸款作為國際上有名的扶貧形式,在孟加拉國、印度尼西亞等國都取得了巨大的成功,這為我國發(fā)展商業(yè)化小額貸款提供了寶貴經(jīng)驗(yàn)。針對(duì)我國的實(shí)際國情,國內(nèi)金融機(jī)構(gòu)也創(chuàng)新發(fā)展了山西“平遙”小額信貸模式、“農(nóng)信社”小額信貸模式和陜西“商洛”小額信貸模式,這位余姚農(nóng)村合作銀行小額信貸業(yè)務(wù)的開展提供了良好的借鑒價(jià)值。通過描述性分析,對(duì)余姚農(nóng)村合作銀行小額貸款業(yè)務(wù)的發(fā)展現(xiàn)狀進(jìn)行剖析,可以發(fā)現(xiàn)農(nóng)合行小貸業(yè)務(wù)仍然存在以下問題：一是小額貸款的比重仍然較低,在保持貸款質(zhì)量的前提下需要加大小貸拓展力度；二是小額貸款的抵債方式仍顯落后,主要以普通保證和聯(lián)保為主,缺乏有效的抵押物；三是小額貸款中不良貸款率逐漸增多,存在較大的風(fēng)險(xiǎn)；四是小額信貸產(chǎn)品仍然缺乏,不能很好地適應(yīng)農(nóng)戶、小微企業(yè)的需求,產(chǎn)品創(chuàng)新亟待推進(jìn)；五是余姚農(nóng)合行整體業(yè)務(wù)管理水平有待提高,特別是針對(duì)小額貸款,更需要?jiǎng)?chuàng)新的手段和方法；六是小額貸款面臨的發(fā)展環(huán)境不樂觀,市場(chǎng)競(jìng)爭(zhēng)不斷加劇和農(nóng)村信用環(huán)境的缺失是最主要的難題。當(dāng)然,小額信貸也有著國家政策大力支持和貸款需求旺盛的市場(chǎng)機(jī)會(huì),以及余姚本地良好的經(jīng)濟(jì)發(fā)展水平和區(qū)域產(chǎn)業(yè)生態(tài),對(duì)于余姚農(nóng)村合作銀行來說更有著資產(chǎn)質(zhì)量和網(wǎng)絡(luò)覆蓋廣的優(yōu)勢(shì),這是其他貸款和其他行所不具有的良好條件。在以上分析的基礎(chǔ)上,針對(duì)余姚農(nóng)村合作銀行小額信貸業(yè)務(wù)存在的問題和有利條件,我們提出以下對(duì)策建議。首先應(yīng)該確立小額貸款的發(fā)展戰(zhàn)略,創(chuàng)新小額貸款運(yùn)作機(jī)制,然后在控制小額貸款經(jīng)營成本的基礎(chǔ)上加強(qiáng)小額貸款營銷,為農(nóng)村合作金融機(jī)構(gòu)帶來新的業(yè)務(wù)和利潤增長點(diǎn)。
[Abstract]:For a long time, the state has attached great importance to the issue of rural economic development. In the policies and measures taken by the central authorities to promote rural economic development, it is very important for the government to strengthen the role of finance in supporting the rural economy. At the same time, the development of small loans business put forward a clear request. As the main force of rural finance, the development of microfinance in rural cooperative finance system is the objective requirement of carrying out the national rural financial policy, solving the "three rural" problems and doing well the rural financial services. Due to the special financial ecological environment and market competition in rural areas, the development of microfinance business has become a means for rural cooperative financial institutions to enhance their core competitiveness. The development of small loans is the inevitable choice of rural cooperative financial institutions in developed regions. The central government's policy of promoting rural economic development has widened the scope for the development of micro-loans, which, as a well-known form of poverty alleviation in the world, have achieved great success in Bangladesh, Indonesia and other countries. This provides valuable experience for the development of commercial small loans in China. In view of the actual situation of our country, domestic financial institutions have also innovated and developed Shanxi's "Pingyao" micro-credit model, "rural credit cooperative" micro-credit model and Shaanxi "Shangluo" micro-credit model. This Yuyao Rural Cooperative Bank microfinance business development provided a good reference value. Through descriptive analysis, this paper analyzes the present situation of the small loan business of Yuyao Rural Cooperative Bank, and finds that there are still some problems in the small loan business: first, the proportion of small loans is still low. Under the premise of maintaining the quality of loans, it is necessary to increase the expansion of small loans; second, the debt repayment methods of small loans are still lagging behind, mainly in the form of general guarantees and guarantees, and lack of effective collateral; third, the ratio of non-performing loans in small loans is gradually increasing. There are greater risks; fourth, microfinance products are still lacking, unable to meet the needs of farmers, small and micro enterprises, product innovation needs to be promoted urgently; fifth, the overall business management level of Yuyao Agricultural Hedding Bank needs to be improved. Especially for microfinance, we need more innovative means and methods; sixthly, the development environment facing microfinance is not optimistic, the market competition is increasing and the lack of rural credit environment is the most important problem. Of course, microcredit also has a market opportunity of strong state policy support and strong demand for loans, as well as a good level of local economic development and regional industrial ecology in Yuyao. For Yuyao Rural Cooperative Bank, it has more advantages of asset quality and wide network coverage, which is not a good condition for other loans and other banks. On the basis of the above analysis, we put forward the following countermeasures and suggestions in view of the problems and favorable conditions of the micro-credit business of Yuyao Rural Cooperative Bank. Firstly, the development strategy of microfinance should be established, the operation mechanism of microfinance should be innovated, and then the marketing of micro-loan should be strengthened on the basis of controlling the operating cost of micro-loan, so as to bring new business and profit growth point to rural cooperative financial institutions.
【學(xué)位授予單位】：南京農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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