發(fā)布時間：2018-01-05 21:05

  本文關(guān)鍵詞：LC農(nóng)商銀行農(nóng)戶貸款的風(fēng)險防范　出處：《陜西師范大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)村金融機構(gòu) 農(nóng)戶貸款 風(fēng)險控制

【摘要】：我國作為傳統(tǒng)的農(nóng)業(yè)國家,農(nóng)村人口占了大多數(shù),而隨著經(jīng)濟形勢的下行以及國家擴大內(nèi)需的相關(guān)政策的提出,農(nóng)村的建設(shè)和發(fā)展對我國整體經(jīng)濟發(fā)展的影響越來越大,而農(nóng)村經(jīng)濟的發(fā)展又與農(nóng)村金融的發(fā)展息息相關(guān)。自2004年起,中共中央連續(xù)發(fā)布了七個以“三農(nóng)”為主題的中央“一號文件”,2010年的中央“一號文件”強調(diào)要積極引導(dǎo)社會資金進入小額信貸領(lǐng)域,加快培育各類新型農(nóng)村金融機構(gòu)。我國從20世紀90年代就開始探索發(fā)展小額信貸,逐步的開始去解決農(nóng)民“貸款難、難貸款”等各種問題,逐漸的去改善農(nóng)村的金融服務(wù)。但在農(nóng)村,由于農(nóng)戶基本上沒有抵質(zhì)押品,而農(nóng)業(yè)生產(chǎn)又具有很大的不穩(wěn)定性,因此對于農(nóng)村金融來說,模式的創(chuàng)新、金融知識的普及固然重要,但從金融機構(gòu)尤其是擁有大多數(shù)農(nóng)村市場的信用社、農(nóng)村商業(yè)銀行、農(nóng)村合作銀行等機構(gòu)自身的發(fā)展與安全方面來講,又面臨著各種各樣的風(fēng)險與難題,因此,在這樣的背景下,研究農(nóng)戶貸款的風(fēng)險,找出農(nóng)戶貸款的風(fēng)險防范機制至關(guān)重要。2014年對銀行業(yè)來講,不良貸款上升壓力不斷,銀監(jiān)會也在不斷強調(diào)要加強銀行風(fēng)險防范,而對于農(nóng)商銀行、農(nóng)村合作銀行來講,做好農(nóng)戶貸款的風(fēng)險防范、降低風(fēng)險發(fā)生的概率對于銀行自身、對于農(nóng)戶、銀行業(yè)的發(fā)展以及整個經(jīng)濟的發(fā)展都具有重大的意義。農(nóng)村金融機構(gòu)作為農(nóng)村金融的主力軍和聯(lián)系農(nóng)民的金融紐帶,是目前我國農(nóng)村資金和金融服務(wù)的主要提供者,其貸款風(fēng)險的高低不但直接關(guān)系到自身的生存和發(fā)展,也關(guān)系到我國農(nóng)業(yè)結(jié)構(gòu)調(diào)整和農(nóng)村經(jīng)濟發(fā)展。但農(nóng)村金融機構(gòu)仍存在不少問題,特別是貸款風(fēng)險問題,如果風(fēng)險得不到有效管理和控制,將嚴重制約農(nóng)村金融機構(gòu)的發(fā)展,影響到我國新農(nóng)村建設(shè)。農(nóng)戶貸款作為農(nóng)村金融機構(gòu)現(xiàn)在的主要信貸產(chǎn)品和未來的重點推廣產(chǎn)品,其風(fēng)險問題對農(nóng)村金融機構(gòu)影響很大。本文闡述了農(nóng)村金融機構(gòu)不良貸款占比較高、案件頻發(fā)的風(fēng)險現(xiàn)狀,按照風(fēng)險不同參與者的標(biāo)準(zhǔn),將農(nóng)戶貸款風(fēng)險劃分信用風(fēng)險、管理風(fēng)險、政策風(fēng)險和環(huán)境風(fēng)險四大類,并具體分析了風(fēng)險的表現(xiàn)形式和成因,探討了風(fēng)險應(yīng)對措施。同時,運用層次分析法—模糊綜合評價方法對某農(nóng)戶風(fēng)險進行了案例研究。
[Abstract]:China, as a traditional agricultural country, rural population accounts for the majority, but with the downward economic situation and the national policy to expand domestic demand put forward. The rural construction and development have more and more influence on the overall economic development of our country, and the development of the rural economy is closely related to the development of rural finance. Since 2004. The Central Committee of the Communist Party of China has issued seven "No. 1 documents" with the theme of "agriculture, countryside and farmers" in succession. In 2010, the "No. 1 document" of the Central Committee stressed the need to actively guide social funds into the field of microfinance. In 1990s, China began to explore the development of microfinance, gradually began to solve the farmers "difficult, difficult to loan" and other problems. Gradually to improve the rural financial services. But in rural areas, because farmers basically do not pledge goods, and agricultural production has a lot of instability, so for rural finance, the innovation of the model. The popularization of financial knowledge is important, but from the financial institutions, especially the credit cooperatives, rural commercial banks, rural cooperative banks and other institutions own development and security aspects. Also facing a variety of risks and problems, therefore, under such a background, the study of the risk of farmers loans, to find out the risk prevention mechanism of farmers loans is very important. 2014 for the banking sector. Non-performing loans rising pressure, the Banking Regulatory Commission is also constantly stressed to strengthen bank risk prevention, and for agricultural banks, rural cooperative banks, to do a good job on the risk prevention of farmers' loans. To reduce the probability of risk occurrence for the bank itself, for farmers. The development of banking and the development of the whole economy are of great significance. Rural financial institutions as the main force of rural finance and financial ties linked to farmers. Is the main provider of rural funds and financial services in China, the level of loan risk is not only directly related to their survival and development. It is also related to the adjustment of agricultural structure and the development of rural economy. However, there are still many problems in rural financial institutions, especially the problem of loan risk, if the risk can not be effectively managed and controlled. It will seriously restrict the development of rural financial institutions and affect the construction of new rural areas in China. Farmers' loans are the main credit products of rural financial institutions and the key promotion products in the future. The risk problem has a great impact on rural financial institutions. This paper describes the rural financial institutions non-performing loans account for relatively high, frequent cases of the risk situation, according to the risk of different participants standards. The credit risk, the management risk, the policy risk and the environmental risk are divided into four categories, and the forms and causes of the risk are analyzed in detail, and the measures to deal with the risk are discussed. A case study on the risk of a farmer was carried out by using the analytic hierarchy process (AHP)-fuzzy comprehensive evaluation method.
【學(xué)位授予單位】：陜西師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.4

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